Financial Planning Referrers

Product OfferingsService Agreement

Referral Income

Disclaimer This information has been prepared by Oracle Financial Solutions Limited ABN 13 136 469 077, AFSL 341115, (OFS) and is

current as at 31 August 2011. Confidential: This information is confidential and is provided to licensed financial advisers and professional advisers only.

This information may not be reproduced, distributed or disclosed to any other persons. In no circumstances is the information to be used by a person for the purposes of making a decision about a financial product.

General advice only: This presentation is provided by OFS for general information purposes only, without taking into account any potential investors’ personal objectives, financial situation or needs and the appropriateness of this information should be considered in that context.

Tax: Oracle Financial Solutions Ltd does not give, nor does it purport to give, any taxation advice. Any taxation discussion in this presentation is based on laws, anticipated legislation and Commonwealth announcements at the time of writing. Those laws and the level of taxation may change. The application of taxation laws to each investor depends on that investors individual circumstances. We recommend advisers and their clients obtain their own legal and taxation advice to assess the information in light of their clients' individual circumstances.

Forward-looking statements: To the extent that this presentation contains forward looking statements, forecasts, estimates, projections and opinions, no representation is made or will be made that they will be achieved or will prove to be correct. There can be no assurance that the investment strategy or objective of any fund or investment will be achieved or that investors will receive a return of the amount invested. Any investment is subject to significant risks of loss of income and capital.

No reliance: This presentation does not contain all the information that may be required to assess a proposal. It also does not aim to notify recipients of any possible risks, direct or indirect, in making any investment. Any recipient represents that it is not relying on any recommendation or statement of the Macquarie Group.

Past performance: Past performance is not an indication of future performance and no guarantee is given in respect of the performance of, or return of capital from, an investment or any fund.

No responsibility: This presentation has been prepared in good faith with all reasonable care. However, certain parts of this presentation may be obtained or are based upon information obtained from third parties which may not have been checked or verified.  The presentation is based on present circumstances, market conditions and beliefs which may change and may impact the accuracy of the information. The Macquarie Group has no obligation to update the presentation or correct any inaccuracies or omissions. None of OFS or their respective directors, employees, consultants and agents  make any representation or warranty as to the accuracy, completeness, timeliness or reliability of the contents of this presentation. To the maximum extent permitted by law, none of OFS, or its respective directors, employees, consultants and agents accepts any liability (including, without limitation, any liability arising from fault or negligence on the part of any of them) for any loss whatsoever arising from the use of this presentation or its contents or otherwise arising in connection with it.

Contact Details Oracle Financial Solutions Dylan Greenway – Senior Financial Planner

Phone: 02 9240 6682 Email:

dgreenway@oraclefinsolutions.com Web: www.oraclefinsolutions.com

Level 7 220 George St Sydney NSW 2000

Oracle Financial Solutions Ltd

About Us• Oracle Financial Solutions is an

independently owned and operated Financial Planning Group

• We provide personalised financial plans to guide and assist individuals to achieving their financial goals during the working life an towards a prosperous retirement.

• We offer a mix of fee for service and commission based products – which can be tailored to suit the client’s comfort levels and goals.

Referrer

Oracle Financial Solutions

Financial Plan

Finance Broking Super Property Risk Estate

PlanningInvestment

Advice

Oracle Financial Solutions

Products Offered Financial Planning and Implementation of advice Superannuation

• Transition to Retirement Strategies• Group Super• SMSF• Retail Super

Investment Products Direct Property and Property Warrants Finance Broking Risk Products

• Life Insurance• Trauma Insurance• Income Protection• Key man and Business Insurance• Group Life Policies• Superannuation

Target Markets Superannuation

• Transition to Retirement Strategies - Age 55+ high incomes• Group Super – Corporate entities• SMSF – Superannuation balance around $200,000• Retail Super – Individuals not qualified for an SMSF

Investment Products – Any client with surplus income Direct Property and Property Warrants – Any client with home

equity and surplus income Finance Broking – Home and investment mortgages Risk Products – Anyone aged between 18-70 that has concern

for their own and families financial future • Life Insurance• Trauma Insurance• Income Protection• Key man and Business Insurance• Group Life Policies• Superannuation

Product Detail Superannuation

• SMSF allows for more control, including share portfolios, managed investments, direct property (property warrants)and other asset classes

• Transition to Retirement Strategies allow for tax effective cashflow for pre retirees – with no structural risk

• Retail funds with a capital guarantee are offered to the more conservative investors.

• Group Super is ideal for employers looking to add benefit to their staff.

Mortgage Broking

We can access mortgage rates up to 100 basis points lower then the standard variable rate of major lends.

Clients have no obligation or cost to have the best loan structure and rate sourced for them to determine the value in changing banks

Risk and Investment Oracle Financial Solutions is an independent

financial planning firm allowing access to the entire market place

We can also give “restricted advice” If the client instructs us NOT to provide

investment advice regarding a portfolio it will be quarantined.

Property / Property Warrants

Client can investment in direct property if requested.

Current stock include NRAS properties based in Gosford.

Traditionally we only look a east coast properties and we use a range of developers.

The Process Stage 1 Identify qualifying clients – send referral sheet Stage 2 Oracle Invite clients to appointment (or

seminar) Stage 3 Complete Appointment Stage 4 Prepare SoA on basis of client information and

risk profile Stage 5 Client presentation – placing business Stage 6 File creation and client confirmation with

referrer

Time frame can vary although the whole process generally takes 2-3 months.

What the client is Provided Financial Services Guide Privacy Policy Statement of Advice Product Disclosure Statement Cash flow spreadsheet Defined contact from Oracle Financial Solutions Ltd

What the client needs to provide us Completed Client Data Questionnaire Completed risk profile Evidence of receipt of FSG, Privacy Policy, and request for

SoA Authority to proceed ID Appropriate application forms, finance forms Evidence of income (and maybe assets) Application money

Compliance Issues Non RG 146 individuals cannot give advice Initial contact is to book client into a seminar or information

night to learn about options to invest in a tax advantaged product.

No disclosure about the benefit or amount of investment should occur over the phone

Scripts and letters to be provided to non RG 146 individuals to ensure compliance issues adhered to.

Any advice given needs to be on the basis of client data questionnaire and risk profile (unless the investor is sophisticated).

Average Fees/Commissions(Please note these figures are a guide)

Fees• Plan fee minimum $440 • Implementation Fees minimum from $1,100

Superannuation• 0.66% of Funds under management on entry (scaled down for

larger amounts) Risk

• 115%-125% of upfront premium Property

• 3.5% of property sale price Investment

• Varies with the investment, 0.8% of FUM on entry as a guide.

Standard arrangement is 25% of upfront fees/commissions is paid to referrers

Example Client Average Couple Age 30-45

• Husband earning $130,000, wife not working

• Two small children• Current debt of $300,000 – looking for an

investment property• Current share portfolio worth $100,000• Superannuation requires attention• No existing insurances

Benefits to the Client Currently no protection for the family if

there is an unforeseen accident or injury Superannuation structure will be more

effective and flexible. Can use broking services for direct investments through super.

Establishment of further assets outside of the home

More efficient and cheaper debt structure

Ongoing reporting and information regarding there overall financial situation for today and into the future.

Expected Revenue Risk - $3,500 Property - $14,000 SMSF - $2,000 Planning Fees - $1,540 Mortgage Broking - $1,000

Total Revenue - $22,040 25% = $5,510

Contact Details Oracle Financial Solutions Dylan Greenway – Senior Financial Planner

Phone: 02 9240 6682 Email:

dgreenway@oraclefinsolutions.com Web: www.oraclefinsolutions.com

Level 7 220 George St Sydney NSW 2000

Questions