FSG Credit Quote & Credit Guide

FINANCIAL SERVICES GUIDE

ABOUT THIS FINANCIAL SERVICES GUIDE

This Financial Services Guide (FSG) is designed to assist you to decide whether you wish to use any of the
services we provide. It contains information about how we and others are remunerated in relation to the
services, and about how you may access our internal and external dispute resolution procedures.
This guide is made up of:
Part 1 – containing information about us and the services we can provide to you; and
Part 2 – containing information relevant to each Australian Financial Services Licensee on whose behalf we
are authorised to act.
Please keep this document in a safe place for your future reference.

OTHER DISCLOSURE DOCUMENTATION

You may also receive one or more of a Statement of Advice (“SoA”) or General Advice Warning (“GAW”), and
a Product Disclosure Statement (“PDS”).

  • A Statement of Advice contains information about any personal advice we give you so that you can make
    an informed decision about whether or not you act upon it. Personal Advice is advice that takes into
    account any one or more of your objectives, financial situation and needs. The Statement of Advice will
    contain advice, the basis on which it is given and information about how we are remunerated, as well as
    any associations or relationships which may have influenced the advice. A Statement of Advice must be
    given at the same time, or as soon as practicable after, personal advice is provided.
  • A General Advice Warning, if given, will warn you that any advice given is of a general nature and does
    not take your personal needs, objectives or financial situation into account.
  • If we make a recommendation that you acquire a particular financial product, or offer to issue, or arrange
    the issue of a particular financial product to you, where required, we will also provide you with a Product
    Disclosure Statement. A Product Disclosure Statement sets out the significant features of the product
    as well as other information and details required by law to be included in a Product Disclosure Statement
    and will assist you to compare and make an informed decision about whether to purchase the financial
    product or not. We will give it to you before the financial product is provided.

PART 1

ABOUT YOUR FINANCIAL SERVICES AUTHORISED REPRESENTATIVE

United Financial Services (Qld) Pty. Limited ABN: 43 073 887 813 (“UFSQ”)
Authorised Representative number: 234385
PO Box 7220, Hemmant QLD 4174
Tel: 07 3908 0800
Fax: 07 3890 4150
Email: enquiries@ufsq.com.au
The person issuing this FSG is employed by United Financial Services (Qld) Pty Limited or by UFSQ’s agent.
UFSQ is a Corporate Authorised Representative of the Licensee(s) listed in PART 2 of this guide and is
authorised to provide the services detailed in that part on their behalf. This Financial Services Guide is
distributed under the authorisation of each of the licensees.

GENERAL ADVICE WARNING

We are required to inform you that where an Authorising Licensee authorises us to give advice* we only give
General Advice and we warn you that:

  • the advice given does not take into account your objectives, financial situation or needs; and
  • because of this, you should, before acting on the advice, consider the appropriateness of the advice,
    having regard to your objectives, financial situation and needs; and
  • you should refer to the Product Disclosure Statement relating to the product and consider the Statement
    before making any decision about whether to acquire the product.

[*The financial services and advice we are authorised to provide are contained in PART 2 of this FSG.]

REMUNERATION AND OTHER BENEFITS

You may be charged a fee for our services. We will tell you if this is the case and agree with you on the type
of fee to be charged, how it is to be calculated and when it is payable before we provide our service.
We may also receive a commission (or share of it) for our services from our licensees or the product issuer if
our licensee is not the product issuer.
In some cases we receive an upfront commission which is part of the total premium payable by you for the
product. It is a percentage of either the:

  • Gross Written Premium (“GWP”) being the total amount of premium paid by the customer to the insurer in
    respect of the insurance arranged, or
  • Net Premium (“NP”) being GWP less stamp duty, fire services levy (where applicable), GST and any other
    government charges, taxes, fees or levies.

The commission varies depending on the licensee, product issuer and product. Commission may be received
by us when we receive your premium or by the end of the month or such later time as agreed with the licensee
or product issuer. It is paid each time you buy or renew a policy and in some cases when you vary it.
We may receive all, or a share, of other forms of commission. These include profit share and volume bonus
commission. They are payments from the product issuer and/or licensee based, over an agreed period, on:

  • the profit that they earn on certain business; and/or
  • the volume of certain business we introduce to them, within an agreed period.

It may be a percentage of the profit (or levels of profit) or an agreed amount depending on the level of profit
achieved and may be paid monthly, quarterly, annually or as otherwise agreed.
Our representatives may also receive:

  • an annual salary which may include additional remuneration based on performance against sales targets
    and/or other performance criteria
  • various soft dollar payments such as business related conferences, study trips, or other functions paid for
    by the product issuers, our licensees or our principals.

Where a third party has referred you to us, we may share with them part of the amount of commission or fees
we receive in relation to the relevant product or service we provide to you or pay them an agreed referral fee.
Further details of the remuneration (including commission) and benefits we may receive that are particular to
each licensee are set out in PART 2.

IF YOU HAVE A COMPLAINT OR DISPUTE

If you have a complaint or dispute, whether or not we are able to resolve your problem ourselves, we are
obliged to promptly refer them to the relevant Licensee. All Licensees have internal dispute resolution
procedures and are required to be a member of an ASIC approved external dispute resolution service
(“EDRS”). If we or the Licensee are unable to resolve your complaint internally it will be referred to their EDRS
which may be able to resolve the dispute. Please refer to Parts 2 and 3 for further details.

HOW YOU CAN PROVIDE INSTRUCTIONS TO US

If you want to provide us with instructions in relation to the financial services and products we can offer, contact
us using the details provided above.

PART 2

LICENSEE DETAILS

Part 2 sets out details of:

  • The Australian Financial Service licensee(s) on whose behalf we are authorised to act;
  • The kinds of financial services we are authorised to provide for them and the financial products to which
    they relate;
  • Any relevant associations or relationships which may influence us in providing our services;
  • Further remuneration details; and
  • Other relevant information.

We are authorised to provide financial services on behalf of the following licensees:

  • Australian Warranty Network Pty Ltd AFSL 246469
  • AVEA Insurance Limited AFSL 238279
  • Club Marine Limited AFSL 236916
  • MTA Insurance Limited AFSL 239912
  • Swann Insurance (Aust) Pty Ltd AFSL 238292

We also act as a distributor to provide financial services on behalf of the following licensees:

  • AAI Limited trading as Suncorp Insurance AFSL 230859

Please refer to Part 3; Distributor Details, for further information.
Please note that where we act as a distributor we are not an authorised representative of the licensee.

AUSTRALIAN WARRANTY NETWORK PTY LTD (“AWN”)

ABN: 78 075 783 206
AFSL No: 246469
Address: AWN Corporate Centre, 3801-3803 Pacific Highway, Tanah Merah QLD 4128
Tel: 07 3802 5577
Fax: 07 3801 1539
Email:

Authorised Financial Service

We are authorised to do the following on behalf of AWN in accordance with the terms of our agreement with
them:

  • Issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding
    authority which means that only the product issuer can agree to issue, vary or dispose of these products.
  • Provide general financial product advice (but NOT personal financial product advice) in relation to the
    financial products listed below
HOW WE ARE PAID

The following sets out further details of the relevant remuneration payable by the licensee in relation to the
provision of financial services.

AWN PRODUCTS                                COMMISSION RATE

Vehicle Warranty Insurance            Up to 67% of the retail price

OTHER REMUNERATION, COMMISSIONS AND LIMITS

As stated in Part 1 of this FSG, we may also receive a volume bonus or additional commission from AWN.
This may be a percentage of the retail price or an agreed dollar amount. These amounts maybe based on the
volume of business we generate, our achievement of agreed sales targets and/or market forces within the
industry. All these factors may vary from time to time. These amounts will be paid periodically and will not
exceed 10% of the total amount that you pay.

We may receive items and prizes from AWN’s Reward Program. These include corporate conferences, caps,
shirts, jackets, pens and other miscellaneous items.

We may also be provided with other benefits such as point of sale advertising and marketing materials to assist
in the sale, marketing and promotion of AWN products.

DISPUTE RESOLUTION

If you have a complaint or dispute we are obliged to promptly refer it to the relevant Licensee. AWN will have
an internal dispute resolution procedure and is a member of an ASIC approved external dispute resolution
service (“EDRS”).
AWN is a member of Financial Ombudsman Service Ltd (FOS), an EDRS.
If AWN is unable to resolve your complaint you can contact FOS on 1300 780 808 and they will consider your
complaint. This is a free service.

AVEA INSURANCE LIMITED (“AVEA”)

ABN 18 009 129 793
AFSL No: 238279
PO Box 116
Berwick, VIC 3806
Tel: 1800 999 977
Fax: 03 8878 1881
Email: aveainsurance@avea.com.au

Authorised Financial Service

We are authorised to do the following on behalf of AVEA in accordance with the terms of our agreement with
them:

  • Issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding
    authority which means that only the product issuer can agree to issue, vary or dispose of these
    products
  • Provide general financial product advice (but NOT personal financial product advice) in relation to
    the financial products listed below.
ASSOCIATIONS OR RELATIONSHIPS

Avea acts under a distributor arrangement with MetLife Insurance Limited ABN 75 004 274 882 AFSL
238096 (Metlife) whereby Metlife is the issuer and underwriter of any life insurance component of an Avea
Consumer Credit Insurance (CCI) product sold to you by Avea or its authorised representatives.

For details of the remuneration of TPI(s), Authorised Representative(s) and other parties they contract with
(and their employees) in relation to the life insurance component of an Avea CCI product, see below.

National Insurance Choice (ABN 85 114 352 680) or Motorsure Pty Ltd (ABN 14 086 238 557) act as a The
Third Party Introducer of Avea’s products to us and provides these services under authority from Avea.

What remuneration is payable in relation to the financial services we provide?
The following sets out further details of the relevant remuneration payable by the licensee in relation to the
provision of our financial services.

AVEA AND ITS EMPLOYEES

Avea receives the premium you agree to pay for the product which may include amounts in relation to
stamp duty, GST, fire services levy and/or other government charges, taxes, fees or levies (where
relevant). Avea employees receive a salary from Avea and may receive bonuses, and incentives.

THIRD PARTY INTRODUCER (TPI), AUTHORISED REPRESENTATIVE(S) AND OTHER PARTIES THEY
CONTRACT WITH (AND THEIR EMPLOYEES)

Avea retains an agreed amount of the premium dependent on factors such as the type of product and
coverage and the relevant TPI’s services and retains the amount of premium received in relation to
relevant taxes, charges and levies. The TPI receives the difference between that amount and the
premium paid.

In addition to other parties that contract with the TPI to undertake some or all of the TPI’s duties(where
relevant), we will receive a share of the amount that the TPI receives from Avea, in the form of an agreed
commission and/or fee between the TPI and us and/or other party (as relevant).

Employees of the TPI and/or the Authorised Representative(s) (including directors and subcontractors) may
be paid a salary for their services and may also receive bonuses based on the volume of sales of all financial
products over a period and may participate in profit sharing arrangements, business related conferences, study
trips or other functions. The TPI and/or Authorised Representatives may share or pass on a proportion of any
additional remuneration or other benefits they receive to their authorised staff.

Where a third party has referred you to the TPI, Authorised Representative or another party they contract with,
that party may share with them a part of the amount it earns.

All of the above remuneration is taken from the premium paid by you. This remuneration may also be received
on premium paid when you renew or vary your insurance.

If you would like more information about the remuneration that we or other entities receive in relation to the
above services, please ask us. The request should be made within a reasonable time after this FSG is provided
to you and before we provide you with a financial service to which this FSG relates.

DISPUTE RESOLUTION

Avea has an internal procedure for Dispute Resolution so that if at any time Avea’s products or services
(including our services, when acting on behalf of Avea) have not satisfied your expectations you can contact
Avea. If you have a complaint, please give Avea every opportunity to try to resolve your complaint. Avea has
a two-step Internal Complaints process as required by the General Insurance Code of Practice. Please contact
Avea using the above contact details or seek further information at www.avea.com.au if you have further
A dispute can be referred to the Financial Ombudsman Service (FOS) subject to its terms of reference. It
provides a free and independent dispute resolution service for consumers who have general insurance
disputes falling within its terms and its contact details are:
The Financial Ombudsman Service
Local call: 1300 780 808
Post: GPO Box 3, Melbourne, Victoria 3001
Website: www.fos.org.au

CLUB MARINE LIMITED (“Club Marine”)

ABN 12 007 588 347
AFSL No: 236916
Address: 40 the Esplanade, Brighton VIC 3186
Tel: 1300 00CLUB (2582)
Fax: 03 8615 8178
Email: vic@clubmarine.com.au

Authorised Financial Service

We are authorised to do the following on behalf of Club Marine in accordance with the terms of our agreement
with them:

  • Arrange, issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding
    authority which means that only the product issuer can agree to issue, vary or dispose of this product.
  • Provide these services on a general financial product advice basis (but not personal advice).
ASSOCIATIONS OR RELATIONSHIPS

Club Marine is an agent of the insurers Allianz Australia Insurance Limited (“Allianz”) ABN 15 000 122 850
AFSL 234708 and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559 (“Allianz Life”)
and is a member of the Allianz Group.

HOW WE ARE PAID

The following sets out further details of the relevant remuneration we may receive from the licensee in relation
to the provision of our financial services.
CLUB MARINE PRODUCTS              COMMISSION RATE
Pleasurecraft Insurance                  Up to 30% of Net Premium
Pleasurecraft Equity Insurance      Up to 55% of Net Premium
Loan Protection Insurance             Up to 20% of Net Premium

OTHER REMUNERATION, COMMISSIONS AND LIMITS

Club Marine may also charge you an administration fee when you first enter into a policy and on variation,
renewal or cancellation. The amount ranges up to $50 depending on circumstances.

From time to time we may participate is sales incentive schemes and/or competitions and may receive
promotional items or financial assistance to assist with the promotion of Allianz and Allianz Life products. The
benefits received from these sales incentive schemes and/or competitions will not exceed 5% of the combined
annual Pleasurecraft Insurance and Pleasurecraft Equity Insurance net premium.

Our representative may share in our commission and/or be paid a salary. They may receive bonuses or other
incentives and rewards depending on their performance relating to the sale of products and other business
criteria.

DISPUTE RESOLUTION

If you have a complaint or dispute we are obliged to promptly refer it to the relevant Licensee. Club Marine will
have an internal dispute resolution procedure and is a member of an ASIC approved external dispute resolution
service (“EDRS”).

Club Marine is a member of Financial Ombudsman Service Ltd (FOS), an EDRS.

If Club Marine is unable to resolve your complaint you can contact FOS on 1300 780 808 and they will consider
your complaint. This is a free service.

MTA INSURANCE LIMITED (“MTA”)

ABN 35 070 583 701
AFSL No: 239912
Address: Building 23 Garden City Office Park, 2404 Logan Road
Eight Mile Plain QLD 4113
Tel: 07 3392 1366
Fax: 07 3392 1367
Email: enquiries@mtai.com.au

Authorised Financial Service

We are authorised to do the following on behalf of MTA in accordance with the terms of our agreement with
them:

  • Issue, apply for, acquire, vary or dispose of the financial products listed below. There is no binding authority
    which means that only the product issuer can agree to issue, vary or dispose of these products
  • Provide general financial product advice (but NOT personal financial product advice) in relation to the
    financial products listed below
ASSOCIATIONS OR RELATIONSHIPS

MTA Insurance has an arrangement with AAI Limited and Suncorp where it distributes products branded
MTA Insurance. MTA Insurance is a wholly owned subsidiary of AAI Limited and a related body corporate of
Suncorp.

MTA Insurance may receive operational support services and other resources from AAI Limited and its
related bodies corporate.

MTA Insurance is given a binding authority to arrange the issue of insurance policies on behalf of both AAI
Limited and Suncorp which means it can approve and accept an application for insurance, it also handles
general insurance claims on behalf of AAI Limited. In providing any services under the binder, MTA act on
behalf of AAI Limited and Suncorp and not on your behalf.

The Corporations Act (Cth) 2001 requires Australian Financial Services Licensees to have arrangements for
compensating retail clients for losses they suffer as a result of a breach by the licensee or its representatives
of Chapter 7 of this Act, unless an exemption applies.

MTA Insurance has compensation arrangements in place.

HOW WE ARE PAID

The following sets out further details of the relevant remuneration payable by the licensee in relation to the
provision of financial services.
MTA PRODUCTS                                                                COMMISSION RATE
Consumer Credit Insurance                                       Up to 20% of GWP
Consumer Credit Insurance (business purpose)    Up to 30% of GWP
Equity Plus Insurance                                                  Up to 56% of GWP
Cash Benefit Insurance                                               Up to 51% of GWP

OTHER REMUNERATION, COMMISSIONS AND LIMITS

The following additional benefits are paid by MTA Insurance Limited.

Equity Plus Insurance/Cash Benefit Insurance:

Our employee, contractor, director or associates who arrange insurance may receive a benefit paid monthly
ranging from 2.89% to 7.19% of the total amount you pay (including premium, GST and govt. charges). This
benefit may be taken in a number of ways including non-cash benefits to an equal value.

We may also receive a bonus which is based on the volume of business we generate and achievement of
sales targets. These factors may vary from time to time. The bonus is paid periodically and will not exceed
13.8% of the premium (excludes Consumer Credit Insurance (CCI)).

We may also participate in sales incentive schemes, competitions or promotions from time to time or on an
ongoing basis.

Our authorised sales staff receive a salary and share in a proportion of the commission, bonus and/or sales
incentives, however such payments will not exceed the amounts paid to us by MTA Insurance.

DISPUTE RESOLUTION

If you have a complaint or dispute we are obliged to promptly refer it to the relevant Licensee. MTA will have
an internal dispute resolution procedure and is a member of an ASIC approved external dispute resolution
service (“EDRS”).

MTA is a member of Financial Ombudsman Service Ltd (FOS), an EDRS.

If MTA is unable to resolve your complaint you can contact FOS on 1300 780 808 and they will consider your
complaint. This is a free service.

SWANN INSURANCE (AUST) PTY LTD (“Swann”)

About this Financial Services Guide (FSG)

This FSG is designed to assist you in deciding whether to use the financial services we provide. It explains
the kinds of financial services we provide and contains general information about us, how we are paid and
the dispute resolution procedures available to you and how to access them.

Other Documents You May Receive

You may also receive one or more Product Disclosure Statements (PDS) if we recommend that you acquire
a policy or offer to arrange for a policy to be issued to you. The PDS contains information about the
significant benefits and features of the insurance policy and of the rights, terms and conditions attaching to
the policy. It is aimed at assisting you to compare insurance products so that you can make an informed
choice about whether to acquire the product.

Name of authorised representative and licensee
Company UNITED FINANCIAL SERVICES (QLD) PTY. LIMITED
ABN: 43073887813
Authorised Representative No: 234385
Address. 6/20 RIVERGATE PLACE, MURARRIE, QLD 4172
Phone: 07 3908 0800
Email: darren.hughes@ufsq.com.au

Licensee

We are the Authorised Representative of Swann Insurance (Aust) Pty Ltd AFS License No: 238292 (Swann).
We are authorised to provide the financial services set out in this FSG and act as Swann’s agent. Swann is
an APRA regulated licensee. While this means that Swann is exempt from the need to have ASIC approved
professional indemnity insurance, Swann holds adequate professional indemnity insurance. Its contact
details are:

Address: Level 14, 181 William Street, Melbourne, VIC, 3000
Phone: 03 9279 5000

This Financial Service Guide was prepared on 10/02/2016 and is authorised, by Swann Insurance (Aust) Pty
Ltd, for distribution.

Remuneration and other benefits

We receive commission from our licensee. The commission is a percentage of the premium paid by you, less
any taxes or government charges and is detailed in this FSG. Commission may also be paid when you
renew or vary your insurance. If a policy has been financed, the finance provider may also receive a
commission from the licensee which is at no extra cost to you.

Where a third party has referred you to us, we may share with them a part of the commission we earn. Any
commission we pay to a referrer is at no extra cost to you.

We may also charge a fee for our services to you. Any such fee we charge is an additional cost to you and is
detailed in this FSG.

Later in this FSG it sets out more detailed information regarding our remuneration, including commission,
from our licensee and associated business partners. If you require more detailed information on our fees or
remuneration, please ask us.

Our staff who provide the authorised financial services are paid a salary for their services and may also
receive bonuses based on the volume of sales of all financial products over a period. Swann may provide
other benefits, such as profit sharing arrangements, business related conferences, study trips or other
functions. We (including our directors, staff and subcontractors) may also be eligible to qualify for other
benefits such as awards or hospitality events. These are provided to us at no additional cost to you.
General financial product advice

Any financial product advice we may provide to you will be of a general nature only and has not taken your
personal needs, objectives or financial situation into account. We therefore recommend that you carefully
read the Product Disclosure Statement and Policy documentation provided by Swann and any other
information before making your decision.

Complaints

If you have a complaint or dispute about the financial services we provide, please contact us using the
contact details above. We will attempt to resolve the issue and we will also refer it to Swann. If we or Swann
are unable to resolve your complaint internally you may refer your dispute to the Financial Ombudsman
Service which is an ASIC approved independent external dispute resolution service. This service is free of
charge.

Products we are authorised to provide.          Commission payable (% of premiums paid, net of
                                                                                             tax and govt charges)
Motor Vehicle Insurance                                          Up to 30% of NP
Motor Cycle Insurance                                             Up to 20% of NP
Motor Cycle Insurance (Off-Road Rider)               Up to 30% of NP
Loan Protection Insurance                                      Up to 20% of NP
Gap Cover Insurance                                               Up to 51% of NP
Tyre & Rim Insurance                                              Up to 50% of NP
Motor Cycle Tyre and Rim Insurance                    Up to 42% of NP

Authorised financial services

On behalf of Swann and in accordance with the terms of our agreement with them, we are authorised to do
the following:
– Arrange for the application for, acquisition, issue, variation or disposal of the financial products listed in this
FSG. There is no binding authority which means that only the product issuer can agree to issue, vary or
dispose of these products.
– We are authorised to provide general financial product advice (but not personal financial product advice) in
relation to the financial products listed in this FSG.

Other remuneration, commission and benefits

In addition to the remuneration noted above, we may also receive additional commission or other benefits
from Swann, for example:
– A volume bonus based on the profit Swann earns from each product,
– The volume of business we generate,
– Achievement of agreed sales targets,
– Market forces within the industry,
– Other benefits from Swann underwritten products such as materials, services and/or payments to assist in
the sale, marketing and promotion of Swann products,
– Sales and product training for our staff to provide them with the necessary expertise to sell the products,
– Point of sale marketing materials and financial contributions to cover the cost of advertising, printing and
computer equipment, and
– We may participate in sales incentive schemes, competitions or promotions from time to time or on an ongoing
basis.

These factors may vary from time to time and the volume bonus is earned and paid periodically. Our
participation in these benefits is at no additional cost to you.

In addition to their salary, we may share or pass on a proportion of the commission, volume bonus and sales
incentives to our authorised sales staff. Such payments will not exceed the amounts paid to us by Swann.

PART 3 DISTRIBUTOR DETAILS

Distributor Disclosure
About us and who we act for

United Financial Services (QLD) Pty. Limited ABN 43 073 887 813
6/20 Rivergate Place Murrarrie QLD 4172

We are authorised to provide a service of dealing in certain financial products on behalf of:

AAI Limited trading as Suncorp Insurance (the Insurer) ABN 48 005 297 807
AFSL No. 230859
Level 18, 36 Wickham Terrace, Brisbane QLD 4000
Phone: 13 11 55

How we are paid

From the premium that you pay the Insurer, we will receive remuneration at the rates displayed in the table
below. The rate is calculated based on the premium (exclusive of government charges) for each product. We
will usually receive this amount at the end of the month following payment of the premium.
Any remuneration we receive is not charged directly to you.
Product                                                                   Commission rate %

Motor insurance issued by the Insurer        Up to 31.5%

From time to time we may also receive sponsorship and additional rewards from competitions and promotions.

If you have a complaint

Should you be dissatisfied with our service, please tell us. Alternatively you can contact the Insurer in any of
the following ways:

Phone: 1800 689 762
Fax: 1300 767 337
Email: customer.relations@suncorp.com.au
Mail: Reply Paid 1453
Customer Relations Unit RE058
GPO Box 1453
Brisbane QLD 4001

If you are not satisfied with the Insurer’s final decision or if the Insurer has not been able to resolve the
complaint to your satisfaction within 45 days you may be able to take the complaint to the Financial
Ombudsman Service (“the FOS”). The FOS is an independent external dispute resolution scheme and its
service is free to customers of the Insurer. We agree to accept a FOS decision however you have the right to
take legal action if you do not accept their decision.

The FOS will tell you if they can help you, as their services are not available to all customers.

You can contact FOS:

By phone: 1300 780 808 (for the cost of a local call)
By Fax: (03) 9613 6399
By email: info@fos.org.au
In writing: Financial Ombudsman Service
GPO Box 3
Melbourne VIC 3001
By visiting: www.fos.org.au

CREDIT GUIDE

ABOUT THIS CREDIT GUIDE

This Credit Guide is given by United Financial Services (Qld) Pty. Limited ABN 43 073 887 813 Australian credit licence
386930 (the “Licensee”, “we”, “us”, “our”, “UFSQ”) and is designed to assist you to decide whether to engage us to provide
credit assistance in relation to credit contracts.

As a licensed credit assistance provider, we are required to give you a Credit Guide as soon as practicable after it
becomes apparent to us that we may provide assistance to you in relation to a credit contract.
The guide includes information about us, our responsible lending obligations, the names of the credit providers with whom
we conduct most of our business with, our fees, charges, and any commissions we may receive, and our dispute resolution
process.

OUR OBLIGATIONS BEFORE PROVIDING CREDIT TO YOU

Under the National Consumer Credit Protection Act (NCCP), we cannot provide credit assistance to you by:

  • suggesting that you apply for a particular credit contract with a particular credit provider;
  • suggesting that you apply for an increase to the credit limit of a particular credit contract with a particular credit
    provider; or
  • assisting you to do so, if the contract will be unsuitable for you.

The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased, it is likely
that:

  • you will be unable to comply with your financial obligations under the contract, or could only comply with substantial
    hardship; or
  • the contract will not meet your requirements or objectives.

We must make a preliminary assessment whether the contract will be unsuitable for you before we can provide credit
assistance to you.

To help us to make this assessment we will:

  • make inquiries about your financial situation and requirements and objectives that we believe are relevant to the credit
    you are applying for; and
  • take reasonable steps to verify your financial information – for instance by asking for evidence of your income; and
  • use this information to determine whether the credit contract is unsuitable for you.

You can request a copy of our preliminary assessment. We must give you a copy (at no charge to you):

  • within 15 business days, if your request is made within 2 years of our credit assistance quote; and
  • otherwise within 25 business days of your request.

We do not need to give you a copy of the preliminary assessment if we did not provide credit assistance to you or your
request is made more than 7 years after we provided credit assistance to you.

OUR FEES AND CHARGES

Consumers will be liable to pay the following fees and charges to us for our credit assistance or matters associated with
providing credit assistance:

CREDIT PROVIDERS WITH WHOM WE CONDUCT BUSINESS

We conduct business with more than six (6) credit providers when providing credit assistance in relation to credit contracts.

COMMISSIONS

When you enter into a credit contract, we are likely to receive a commission, directly or indirectly, from the credit provider in
relation to the credit contract for which we have provided credit assistance. We have also entered into a volume bonus
arrangement with each of the credit providers with whom we conduct business, either directly or indirectly, and may receive
additional commissions depending on the total volume of business that we arrange with each of the credit providers. The
volume bonus arrangements are payable by the credit provider to us as the licensee.

You may obtain additional information from us about the fees and charges payable by you, the commission likely to be
received by us or the volume bonus arrangements in place, on request. This includes obtaining information about how fees
and charges payable by you are worked out and a reasonable estimate of the commissions likely to be received by us and
how the commission is worked out.

PAYMENTS TO THIRD PARTIES

A commission is likely to be paid to a third party for the introduction of credit business or business proposed to be financed
by the credit contract or consumer lease if credit assistance is provided through one of the following classes of persons:

  • a Licensed Finance Broker;
  • a Credit Representative of ours; or
  • a Referrer (usually being the supplier of the goods).

You may obtain from us a reasonable estimate of the amount of commission and how it is worked out on request.

HOW WE RESOLVE DISPUTES

We welcome every opportunity to resolve any concerns you may have with our products or service. If you have a
complaint, are not happy with our service or just want more information, you should tell us. By telling us, you give us the
best possible opportunity of fixing things. In the first instance, contact our Customer Service Team by calling (07) 3908
0800. If you are not satisfied with their response you can request that their manager address your concern.

INTERNAL DISPUTE RESOLUTION

If your concern is still not resolved to your satisfaction please write to our Internal Dispute Resolution Committee at United
Financial Services (Qld) Pty. Limited Po Box 7220 HEMMANT QLD 4174. Your concern will be reviewed by our IDR
Committee, which has authority to deal with the matter.

We will inform you of the outcome within 45 days or receiving your dispute or complaint.

EXTERNAL DISPUTE RESOLUTION

If your concern still remains unresolved to your satisfaction you can direct your issue for further review to the Credit and
Investments Ombudsman Limited (CIO), an external review scheme to which we belong.

External dispute resolution is a free service established to provide you with an independent mechanism to resolve your
specific complaints. However, you must attempt to resolve your complaint with us before contacting our external dispute
resolution scheme.

Credit and Investments Ombudsman Limited (CIO)
Mail: Case Management Team
C/- Credit and Investments Ombudsman Limited
PO Box A252 SYDNEY SOUTH NSW 1235

Telephone: 1800 138 422
Fax: (02) 9273 8440
Email:

To lodge a dispute online go to www.cio.org.au

Further information regarding CIO including their Terms of Reference is available from their office or on their website.

HOW TO CONTACT US

United Financial Services (Qld) Pty. Limited
ABN 43 073 887 813 Australian credit licence 386930
Phone:      (07) 3908 0800
Fax:           (07) 3890 4150
Writing:    United Financial Services (Qld) Pty. Limited
Po Box 7220 HEMMANT QLD 4174
Emailing:  enquiries@ufsq.com.au

CREDIT GUIDE

ABOUT THIS CREDIT GUIDE

This Credit Guide is given by Alpha Financial Services Pty Ltd ABN 36 600 685 845 Australian credit licence 476966 (the
“Licensee” or “Alpha”) and is designed to assist you to decide whether to engage us to provide credit assistance in relation
to credit contracts.

As a licensed credit assistance provider, we are required to give you a Credit Guide as soon as practicable after it
becomes apparent to us that we may provide assistance to you in relation to a credit contract.

The guide includes information about us, our responsible lending obligations, the names of the credit providers with whom
we conduct most of our business with, our fees, charges, and any commissions we may receive, and our dispute resolution
process.

OUR OBLIGATIONS BEFORE PROVIDING CREDIT TO YOU

Under the National Consumer Credit Protection Act (NCCP), we cannot provide credit assistance to you by:

  • suggesting that you apply for a particular credit contract with a particular credit provider;
  • suggesting that you apply for an increase to the credit limit of a particular credit contract with a particular credit
    provider; or
  • assisting you to do so, if the contract will be unsuitable for you.

The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased, it is likely
that:

  • you will be unable to comply with your financial obligations under the contract, or could only comply with substantial
    hardship; or
  • the contract will not meet your requirements or objectives.

We must make a preliminary assessment whether the contract will be unsuitable for you before we can provide credit
assistance to you.

To help us to make this assessment we will:

  • make inquiries about your financial situation and requirements and objectives that we believe are relevant to the credit
    you are applying for; and
  • take reasonable steps to verify your financial information – for instance by asking for evidence of your income; and
  • use this information to determine whether the credit contract is unsuitable for you.

You can request a copy of our preliminary assessment. We must give you a copy (at no charge to you):

  • within 15 business days, if your request is made within 2 years of our credit assistance quote; and
  • otherwise within 25 business days of your request.

We do not need to give you a copy of the preliminary assessment if we did not provide credit assistance to you or your
request is made more than 7 years after we provided credit assistance to you.

OUR FEES AND CHARGES

Consumers will be liable to pay the following fees and charges for our credit assistance or matters associated with
providing credit assistance:

CREDIT PROVIDERS WITH WHOM WE CONDUCT BUSINESS

We conduct business with more than six (6) credit providers when providing credit assistance in relation to credit contracts.
The names of the six (6) credit providers with whom we conduct most of our business are noted below:

COMMISSIONS

When you enter into a credit contract, we are likely to receive a commission, directly or indirectly, from the credit provider in
relation to the credit contract for which we have provided credit assistance.

You may obtain additional information from us about the fees and charges payable by you, the commission likely to be
received by us or the volume bonus arrangements in place, on request. This includes obtaining information about how fees
and charges payable by you are worked out and a reasonable estimate of the commissions likely to be received by us and
how the commission is worked out.

PAYMENTS TO THIRD PARTIES

A commission is likely to be paid to a third party for the introduction of credit business or business proposed to be financed
by the credit contract or consumer lease if credit assistance is provided through one of the following classes of persons:

  • a Licensed Finance Broker;
  • a Credit Representative of ours; or
  • a Referrer (usually being the supplier of the goods).

You may obtain from us a reasonable estimate of the amount of commission and how it is worked out on request.

HOW WE RESOLVE DISPUTES

We welcome every opportunity to resolve any concerns you may have with our products or service. If you have a
complaint, are not happy with our service or just want more information, you should tell us. By telling us, you give us the
best possible opportunity of fixing things. In the first instance, contact our Customer Service Team by calling . If you are not
satisfied with their response you can request that their manager address your concern.

INTERNAL DISPUTE RESOLUTION

If your concern is still not resolved to your satisfaction please write to our Internal Dispute Resolution Committee at Alpha
Financial Services Pty Ltd Po Box 104 BRISBANE MARKET QLD 4106. Your concern will be reviewed by our IDR
Committee, which has authority to deal with the matter.

We will inform you of the outcome within 45 days or receiving your dispute or complaint.

EXTERNAL DISPUTE RESOLUTION

If your concern still remains unresolved to your satisfaction you can direct your issue for further review to the Credit and
Investments Ombudsman Limited (CIO), an external review scheme to which we belong.

External dispute resolution is a free service established to provide you with an independent mechanism to resolve your
specific complaints. However, you must attempt to resolve your complaint with us before contacting our external dispute
resolution scheme.

Credit and Investments Ombudsman Limited (CIO)
Mail:                 Case Management Team
C/- Credit and Investments Ombudsman Limited
PO Box A252 SYDNEY SOUTH NSW 1235
Telephone:    1800 138 422
Fax:                 (02) 9273 8440
Email:              To lodge a dispute online go to www.cio.org.au

Further information regarding CIO including their Terms of Reference is available from their office or on their website.

HOW TO CONTACT US

Jet Team Finance Pty Ltd ATF The Ryan Family Trust

ABN 27 685 860 178 Australian credit licence 509120

Phone:              1300 538 346
Fax:
Writing:             Jet Team Finance Pty Ltd ATF The Ryan Family Trust
5/22 Magnolia Drive BROOKWATER QLD 4300
Emailing:         info@jetteamfinance.com.au