Disclaimer & Financial Services Guide

General Advice Warning

"The information available through this website has been prepared as general information only and does not take into account your investment objectives, financial situation or particular needs. Accordingly, you should consider the appropriateness of the content of this document having regard to these matters before acting on the advice."

Authorised Representative:

All My Funds Pty Ltd (ABN 12 123 521 504)
Address: Locked Bag 8, GCMC, QLD, 9726
Phone: 1300 766 576
Fax: 1300 765 403
Email: admin@allmyfunds.com.au
Authorised Representative Number: 311534

Authorising AFS Licensee

Client Wealth Financial Services Pty Ltd (ABN 49 126 463 223)
Address: 151 Wellington Parade, East Melbourne VIC 3002
AFS License number: 316 375

Financial Services Guide

FINANCIAL SERVICES GUIDE
All My Funds Pty Ltd (AllMyFunds) ABN 12 123 521 504
is an Authorised Representative (No 311534) of
Client Wealth Financial Services Pty Ltd ('Client Wealth') ABN 49 126 463 223
Australian Financial Services License (AFS license) No 316375

Thank you for the opportunity to provide you with some information on AllMyFunds, Client Wealth, the services available to you, details of how AllMyFunds is remunerated for its work and options should you be dissatisfied with the services that you receive. This Financial Services Guide contains information so that you can make an informed decision about whether to acquire a financial service.

About AllMyFunds' Services

AllMyFunds is authorised to provide financial product advice and deal in superannuation. The advice AllMyFunds provides is restricted to the following:

A breakdown of your current superannuation position.
The amount of superannuation you could receive on retirement.
The percentage of your current annual salary you could receive each year from the age 65.
A comparison of your current superannuation funds with five other superannuation funds.
The effect extra contributions and consolidating multiple superannuation funds could have.

You are also able to nominate AllMyFunds as your nominated adviser for your superannuation funds. This means that any commissions are rebated back to you in place of AllMyFunds' flat fee (detailed below as the "annual subscription fee"). AllMyFunds can also assist you if you wish to switch superannuation funds, but only at your request.

Please note, that at no time will AllMyFunds advise you whether a particular superannuation fund or other financial product is suitable to you. As AllMyFunds is acting as an authorised representative of Client Wealth (as the authorising licensee), Client Wealth is responsible for the financial services AllMyFunds provides to you.

Duty of Care

Neither Client Wealth nor AllMyFunds is owned by a bank or insurance company. Client Wealth holds an Australian Financial Services Licence. Therefore, AllMyFunds' first duty of care is to you, not the organisation(s) with which your superannuation is invested.

How AllMyFunds is Remunerated

AllMyFunds will be paid fees for providing the financial services to you. The fees payable will depend on the services you elect to receive from AllMyFunds. The fees for AllMyFunds' various services are as follows:

Superannuation Checkup Report fee - $275 (includes GST).
Superannuation fund transfer fee - $165 (includes GST).*
Annual subscription fee - $385 p.a. (includes GST)^

* The superannuation fund transfer service is only available if you have nominated AllMyFunds as the adviser on your superannuation fund.

^ In most cases, the annual subscription fee can be deducted directly from your superannuation fund account.

From these fees, AllMyFunds may pay commissions to people who refer you to AllMyFunds. You are not required to pay any further fees or any additional fees to anyone who refers you to AllMyFunds.

If you appoint AllMyFunds as your nominated adviser on your superannuation fund and your superannuation fund cannot rebate the commissions to you, then the fund will pay the commissions to Client Wealth who will then rebate the commissions to you in full (excluding any GST component), less a handling fee of $25 p.a.

Investment product providers, life offices and investment platform providers may also provide training, technical advice and assistance (in the form of travel and accommodation costs) to attend conferences, professional development days and investment information excursions such as field trips.

Client Wealth may also receive some sponsorship for the Professional Development days it may run. These enable Client Wealth to meet its statutory requirement to ensure that AllMyFunds is adequately trained.

None of this support is allowed to come into conflict with the primary duty to do what's in your best interest. If you have any queries regarding how these indirect benefits are treated, please feel free to ask about them.

Both Client Wealth and AllMyFunds are committed to the Financial Planning Association of Australia (FPA) Code of Practice on Alternative Remuneration in the Wealth Management Industry (the Code). In accordance with the Code, any alternative remuneration benefits that are received will be disclosed. Alternative remuneration arrangements will also be recorded in a public register which you may view on request.

At all times Client Wealth and AllMyFunds recognise their primary duty is to you the client and that any other relationship is treated as secondary.

Code of Ethics and Complaints Resolution System

As a principal member of the FPA, Client Wealth and AllMyFunds are bound by the FPA's Code of Ethics, which among other things, requires Professional Indemnity insurance to be held.

If you have any complaint about the service provided to you, you should take the following steps:

Contact AllMyFunds on the contact details below and tell us of your complaint.
If the complaint is not satisfactorily resolved within 3 days, please contact Client Wealth's Complaints Officer on (03) 6362 4337 or put your complaint in writing and send it to the Complaints Officer at 4501 Meander Valley Road, Deloraine, Tas, 7304. The Complaints Officer will try to resolve your complaint quickly and fairly.
If the outcome is not to your satisfaction, you have the right to complain to the Financial Ombudsman Service scheme by writing to GPO Box 3, Melbourne, Vic, 3001 or by telephoning 1300 780 808. Client Wealth is a member of the scheme.
The Australian Securities & Investments Commission has an infoline on 1300 300 630 which you may use to make a complaint and obtain information about your rights.

Insurance

Client Wealth has in force a professional indemnity insurance policy (PII policy) that complies with s912B of the Corporations Act (2001).

This PII policy is not designed to protect consumers directly but protects Client Wealth against the risk of financial losses arising from actions of an Authorised Representative of Client Wealth e.g. poor advice or execution of services or misconduct such as fraud.

PI insurance is not intended to cover product failure or general investment losses, claims for loss solely as a result of the failure (e.g. insolvency) of a product issuer or a return on a financial product that has not met expectations.

Client Wealth's PII policy covers work done for Client Wealth by any past or present Authorised Representatives.

This information is freely provided as part of Client Wealth's ongoing commitment to keep you informed about all aspects of your investments and your rights.

AllMyFunds' contact details are:

Authorised Representative:

All My Funds Pty Ltd

Address:

Phone:

Fax:

Email:

admin@allmyfunds.com.au

Authorised Representative Number:

Authorising AFS Licensee

Client Wealth Financial Services Pty Ltd

Address:

AFS License number