THE PURPOSE OF THIS FINANCIAL SERVICES GUIDE (FSG)

The purpose of this guide is to give you important information to assist you to decide if you wish to use any of the financial services provided by us as set out in this guide.

The guide explains the services we can offer to you, how we (and our associates) are remunerated and details of our internal and external dispute resolution procedures and how you can access them.

Before purchasing any financial product through us, you should read the Product Disclosure Statement
applicable to the product you are purchasing which is available from us. The Product Disclosure Statement contains information about the particular product to help you make an informed decision about that product.