If you have any complaints regarding the service provided to you, you should take the following steps:

1. Contact your adviser and tell your adviser about your complaint.

2. Detail your complaint in writing and address it to:

    Complaints Manager
    PO Box 1305,
    PARRAMATTA
    NSW, 2124.

This will ensure that all parties involved fully understand your complaint.

3. Within 5 days of receipt of your written complaint, you will be notified of the receipt of your complaint and any outcome or further discussions that need to occur. We will try to resolve your complaint quickly and fairly.

4. If you still do not receive a satisfactory outcome, you have the right to complain to the Financial Ombudsman Service , (FOS) Level 12, 31 Queen Street Melbourne, Vic 3000. Their Freecall number is 1300 78 08 08. We are a member of this scheme.

5. If you still do not receive a satisfactory outcome, you can contact the Australian Securities and Investments Commission (ASIC) at their Freecall Infoline on 1300 300 630 which you may use to make a complaint and obtain information about your rights.