GILTS - Brochure & FSG 06 May 14 (Letterhead)

Gilt Investments Pty Ltd AFSL - 404 921 ABN - 26 150 469 159
Address: Level 2, 149 Wickham Tce, Spring Hill, QLD 4000 • Postal: GPO Box 1717, Brisbane, QLD 4001
Telephone: +61 7 3123 7132 • Facsimile +61 7 3123 7142 • www.giltinvestments.com
Introduction to Gilt Investments Pty Ltd
Who is Gilt Investments Pty Ltd?
Gilt Investments Pty Ltd (‘Gilts’) is a privately owned fixed-income broking service based in Brisbane. Gilts was established in 2011
by its Managing Director, Alastair Healey. Alastair has worked in the Australian Financial Market for over twenty five years and has
developed strong relationships with domestic and offshore business communities and individuals. As a holder of an Australian
Financial Services Licence (AFSL), Gilts activities are regulated by the Australian Securities and Investment Commission (‘ASIC’).
What is fixed income?
Fixed income refers to a group of investment products that generally have a fixed term and generate a regular series of interest
payments. These investments, also known as fixed interest investments or fixed interest securities, can pay interest either at
maturity or throughout the term in the form of ‘coupons’. A coupon is interest paid to the investor at regular intervals throughout
the life of the security, and is typically expressed as a percentage per annum.
Some examples of investments which pay interest at maturity include:
 Bank bills
 Promissory notes
 Negotiable Certificates of Deposit (NCDs)
Investments that pay regular interest payments (i.e. coupons) include:
 Long term deposits (depending on the terms)
 Bonds
The service
Gilts is a licensed dealer and specialist in fixed income financial products. Gilts provides guidance and access to all fixed income
financial products; including, but not limited to, government and semi-government bonds, discount securities, corporate
debentures, bonds including hybrids, deposit and payment products, floating rate notes, residential mortgage backed securities,
asset backed securities, and structured products and managed investment products.
Under its Australian Financial Services Licence (AFSL), Gilts is licensed by ASIC to:
 Deal in certain financial products, including deposit & payment products, government bonds, and securities; and
 Provide financial product advice to retail and wholesale clients.
Gilts is one of the few companies dedicated to providing a specialist fixed income service in Australia. The company focuses on
providing domestic and foreign clients with access to Australian short- and long-dated fixed income products.
Independence and Impartiality
Gilts independence and impartiality are important and distinguishing elements of its service. Gilts is a private company whose
shares are wholly owned by its Managing Director. It is not owned by, or a division of any financial institution, product originator, or
external company. Furthermore, Gilts does not create or issue its own product. This impartiality is vital in sourcing and advising on
fixed income products from a broad range of financial institutions, product providers, and originators. It also enables the
development of honest and open relationships with clients, and the ability to provide unbiased guidance in managing clients fixed
income investments in Australia. This philosophy allows Gilts to truly partner with investors and maximise returns from their fixed
income products.

The fixed interest market
Gilts provides access to fixed income products being traded on the primary and secondary markets.
Primary issues service
The primary market refers to the market wherein securities are issued for the first time for purchase by investors. Organisations
which issue fixed income securities are referred to as 'issuers'. The most active issuers of bonds today are governments and
government agencies (government bonds), banks and corporations (corporate bonds). ‘Issuers’ utilise the primary market to raise
fresh funding for business operations and/or expansion. Products issued in the primary market can include: short-dated discount
securities, bonds, floating rate notes, and/or hybrids. A prospectus is provided by the originators who then approach companies
such as Gilts to distribute the product to their client base.
Secondary markets service
After investments are issued and placed into the market by specialists such as Gilts, they can be traded in the secondary market.
Gilts aims to provide wholesale and retail clients, where possible, direct entry to the secondary market. This service is invaluable to
clients, as the majority of investors are unable to access the secondary market because of a minimum parcel size. Gilts is able to
provide current market live pricing on all tradeable fixed income stock, as well as the ability to search for specifically requested
stock to suit individual portfolios.
Due to the fixed income asset class being less accessible than other asset classes (e.g. property), information is also more difficult to
obtain. In order to mitigate these difficulties, Gilts provides regular emails and reports to clients to maintain their knowledgeable of
market movements. Being aware of economic announcements, flow of trades, and new issuing activity, will guarantee better
insights into a market that has largely been overlooked by investors.
Finally, all security prices provided to clients will be exclusive prices. The brokerage cost and/or margin charged will be deducted
beforehand, and therefore the yield quoted will be the yield received. This enables clients to easily compare prices provided by Gilts
to other prices in the market.
The benefits for investors using companies such as Gilt Investments
Gilt Investments helps clients navigate through the choices available by carefully assessing clients’ individual needs and concerns.
In particular, Gilts takes into account – clients cash flow needs, required flexibility in entering and leaving the market (i.e. liquidity),
desired investment term (i.e. time to maturity), risk appetite, and money available to invest
(i.e. face value). After careful consideration of these factors, Gilts is able to discuss expected returns with the client (yield).
Gilt provides the following services:
 Sources the best term and cash deposit rates available,
 accesses all government, corporate and bank bond markets,
 will assist you in your investment choices by providing guidance on – however not limited to – product selection, risk,
liquidity and term,
 provide daily market commentary and statistics,
 Investment History Reports and portfolio summaries are provided to clients to help streamline their accounting and
monitor their investments.
“Between 1996 and 2004, fixed income had similar returns to other investments; and between mid-2008 to 2009 fixed income
actually generated better returns than equities (Brailsford et al, 2011). These figures highlight the potential of fixed income to not
only appease various risks, but also to generate desired investment returns.”

Compliance
In compliance with the new Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF) legislation, Gilts is required to
collect certain information from clients prior to dealing. These obligations are regulated by the government agency Australian
Transaction Reports and Analysis Centre (AUSTRAC). If your institution has any additional requirements, it is also important to
provide this information to Gilt Investments before dealing.
Our standard settlement instructions are as follows:
Bank: Bendigo & Adelaide Bank Limited
Address: 5/120 Harbour Esplanade, Docklands, Melbourne VIC 3008
BSB: 633-000
Account number: 147 272 983
Account name: Sandhurst Trustees Ltd ACF Gilt Investments Ltd - or
Austraclear code: SAND3S
Should you have any questions regarding these instructions, or you require further information about Gilt Investments Pty Ltd,
please contact the company on +61 7 3123 7132 or Alastair Healey on + 61 (0)414 411 087.

Staff Profiles
Alastair Healey – Managing Director
Bachelor of Business (Hon), Master of Business (Marketing)
Alastair has been involved in the Queensland financial markets for over 20 years and
has developed an impeccable reputation in this community. He brings to the position
a wealth of experience and knowledge, in addition to an Honours and Master’s
Degree in Marketing.
In 1994 he was appointed as the general manager of marketing and business
development for a local merchant bank and helped establish the three departments
of securitisation, corporate advice and money market. Alastair has also founded and
directed two successful private fixed income businesses in Australia, which both
specialised in providing fixed income to middle market and retail clients. His
experience in managing these businesses has provided him with the necessary
expertise and skill in building and developing Gilt Investments.
By continuing to provide a service within the fixed income asset class, Alastair is able
to draw on his already vast client base, as well as sourcing new potential investors.
As the managing director of Gilt Investments, he is directly involved in providing
expert knowledge to clients and distribution of fixed income financial products to the
retail and wholesale markets.
e-mail: ahealey@gilts.com.au mobile: 0414 411 087
Ronaldus Sutjiadi – Business Development Manager
Bachelor of Economics (Accounting)
After graduating with an Economics degree, majoring in Accounting, Ronaldus joined
the Jakarta business community. Ronaldus has worked in a diverse range of
positions - from Sales, Accounts Executive, Supervisor, and Divisional Manger -
through to Marketing Manager of a currency trading company which was a member
of the Jakarta Futures Exchange.
Ronaldus and his family migrated to Australia seven years ago. Since migrating,
Ronaldus has successfully mastered the English language and gained work
experience across a number of industries, including the restaurant & information
services industries. He has also run his own small business in Australia. These
experiences have allowed Ronaldus to achieve a better understanding and
knowledge of the Australian business environment.
Having never lost his desire to be involved in the Financial Markets, Ronaldus made
the decision to leave his small business behind and undertake training to meet the
requirements of the Australian Securities and Investments Commission (ASIC)
Regulatory Guide (RG) 146. His experiences and qualifications provide the perfect
background for the role of Business Development manager role at Gilt Investments.
Skills in accounting, marketing, currency, information services, and small business
ownership will guarantee that Ronaldus makes a positive contribution to the
company.
e-mail: rsutjiadi@gilts.com.au mobile: 0448 448 330

Lauren Healey – Accounts Manager
Bachelor of Speech Pathology, Master of Health Management
After completing her secondary education at St Peters Lutheran College, Lauren
commenced a Bachelor of Speech Pathology at the University of Queensland. She
graduated in December 2008 and began work for Queensland Health. Lauren has
worked in a variety of positions since graduation and has wide-ranging experiences
within the healthcare industry.
Laurens employment as a Speech Pathologist in various health care organisations
have provided her with experience in dealing with the general public, as well as the
development of excellent time-management and administration abilities. Laurens
strengths also lie in her high-level communication skills, ability to prioritise tasks,
meet deadlines, provide accurate oral and written communication, and work
effectively as a team member.
Lauren recently completed a Master of Health Management at the Queensland
University of Technology.
e-mail: lhealey@gilts.com.au mobile: 0419 792 856
Carol Kitzelman – Operations Manager
After completing school in the early 1980s, Carol began a science degree. However,
she decided after a year that science was not to be her future career direction and
took a job with Queensland Treasury Department. It was here that Carol gained
experience in the investments division and decided that this was where her interests
lay. This was the era of physical stock and paper-based accounts. Carol started out
recording, undertaking the physical settlements, and preparing the accounts. Over
the coming years settlements became electronic, more financial products came on
the market and computers systems were put in place to keep track of investments.
Carol has worked for various agencies, including Queensland Treasury Corporation
and Queensland Investment Corporation. However, she has always worked in the
settlement area, aside from a short time spent helping on the Equities dealing desk.
When Carol left Queensland Investment Corporation in 2000 to have a family, she
was the Manager of the Investment Administration Branch. In this role, Carol was
responsible for staffing, settlements, budgets, and reporting. This required liaising
with all divisions of the Corporation.
In addition Carol has completed various Securities Institute and ASX courses.
e-mail: ckitzelman@gilts.com.au

Alexander Healey – Portfolio & Research Assistant
Bachelor of Commerce (Accounting), Current - Bachelor of Science (Extended
Mathematics)
Alexander completed his secondary education at St Peters Lutheran College in
2008, before beginning study at the University of Queensland in a Bachelor of
Commerce (Acct) and Bachelor of Science (Ext Mathematics). He is in his
penultimate year of his undergraduate degree and plans to commence a Master
of Applied Mathematics in 2015. Furthermore, he has become a student member
of the Institute of Actuaries Australia and is enrolled to start his Part I exams over
the coming year.
Since his final years of schooling, Alexander has been employed across a variety of
industries, including real estate, in part-time and full-time capacities. These broad
experiences have consolidated the knowledge that Alexander has gained at
university and allowed him to develop pertinent skills for a successful career in
business.
Alexander has worked as the accounts manager for a real estate franchise in
Brisbane. Although his primary responsibility was to the accounts department,
Alexander has also had exposure to the sales and marketing departments and
been involved in organising web sites, brochures and accessing RP Data.
e-mail: alexhealey@gilts.com.au mobile: 0405 715 228

Financial Services Guide (FSG)
Introduction
This Financial Services Guide (FSG) is designed to assist you in deciding whether to use any of the services offered by Gilt
Investments Pty Ltd (Gilts).
It contains information about:
 the services offered by Gilts,
 how Gilts operates,
 how Gilts and related persons are paid,
 how Gilts deals with client complaints,
 any interests, associations or relationships that could influence Gilts.
It also contains Gilts’ Terms and Conditions and Privacy Policy.
Who is Gilt Investments Pty Ltd (Gilts)?
Gilts was established in 2011 and is a private company based in Brisbane. Its activities are regulated by the Australian Securities and
Investment Commission (ASIC).
Services offered by Gilts
Gilts is a licensed dealer in fixed income financial products and specialises in fixed income financial products such as government
and semi-government bonds, corporate debentures and bonds including hybrids, deposit and payment products, and managed
investment products.
Under its Australian Financial Services License, Gilts is licensed by ASIC to provide:
 dealing and execution services,
 general financial product advice for fixed income financial products, and
 Term Deposit services.
Other information you may receive
As part of Gilts’ services, Gilts may also provide you with a Product Disclosure Statement (PDS) for product offerings. You may
receive a PDS for the product when it is being sold from the issuer of the product or where you are purchasing the product from a
person to whom it was issued during the previous 12 months.
A PDS will provide general information about the product and the issuer, including:
 the terms and conditions of the product;
 the cost of the product;
 the risks associated in acquiring the product.
The PDS will assist you in deciding whether the product is suitable for you to purchase.
General financial product advice
The general financial product advice provided by Gilts will be distributed in the form of suggestions, recommendations or advice
about a recommended portfolio of fixed income financial products. It will not be based upon individual financial circumstances,
objectives or needs. As a result, before acting upon any advice from Gilts, you should consider whether or not Gilts’ advice and any

proposed investments in fixed income products are appropriate for your individual financial circumstances, objectives or needs.
Where applicable, you should obtain and read the PDS for a fixed income product (if any) before deciding whether or not to invest
in that product.
Gilts business interests and associations
Gilts is a private company whose shares are wholly owned by the Managing Director. It is not owned by, or a division of any
financial institution or product originator; nor does it have any interest, association or relationship with any financial institution or
product originator which could influence Gilts’ investments. This allows Gilt Investments to source fixed income products from a
very broad range of financial institutions, product providers and originators.
Gilts insurance requirements
We have professional indemnity insurance in place and feel confident that it is a reasonable arrangement to have for compensating
our retail clients for any loss or damage they may suffer should we or one of our representatives be found to have caused them to
suffer loss or damage due to a breach of a relevant obligation under Chapter 7 of the Corporations Act. Subject to all statutory
limitation periods, our insurance arrangements cover work done under our AFSL by our representatives even when they cease to be
our representatives.
How Gilts operates
Terms and conditions
Gilts operates as a dealer in fixed income financial products. Its role is to assist you in obtaining the best rates of return on fixed
income investments within your requirements. Gilt Investments will only deal with you and act upon your instructions on the basis
of the terms and conditions set out in this FSG.
Gilts does not act as the agent of the issuers of fixed income products, or Approved Deposit-Taking Institutions, and is not
responsible for any payments to be made by them to you.
Providing instructions
When using Gilts’ services, you will be assisted by a representative who has been employed by and acts on behalf of Gilts. The
representative’s name will appear on any contract notes or trade confirmations issued by Gilt Investments.
You may provide instructions to the representative by telephone, email, facsimile or post using the contact details contained in the
introduction to this FSG. Gilts will act upon those instructions to purchase, rollover or sell fixed income products. In doing so, Gilts
will generally act as the counterparty (i.e. the seller or buyer of the product). Gilts will also act upon your instructions in relation to
making, rolling-over, redeeming or reinvesting term deposit investments.
If you fail to provide Gilts with written or oral instructions for an existing fixed income or term deposit investment, then (subject to
the policy of the issuer of the fixed income product or the Approved Deposit-Taking Institution) Gilts will arrange for your
investment to be rolled-over until further instructions are received from you. Gilts acts as your agent when doing these things.
Gilts will maintain a record of your investments as well as any correspondence relating to these investments. These files are all
available for your examination if required.
Benefits & commissions
Gilts does not charge its clients a fee or commission for its services. It derives its income from the following three sources:

Acting as principal
When Gilt Investments acts as the counterparty (that is, the seller or purchaser) of a fixed income product, it will receive a margin
on the sale of that product. This may be done by purchasing the product in Gilts’ name at a price and then selling it to you at a
slightly higher price, or by purchasing a product from you in Gilts’ name at a price and then selling it at a slightly higher price. The
price quoted to you by Gilts for a product is net of Gilts’ margin. Depending upon the size and duration of the product, this margin
is likely to be less than 0.25% of the yield to maturity.
Acting as a broker
When Gilt Investments acts as a broker of deposit facilities offered by Approved Deposit-Taking Institutions, Gilt will receive a
margin on the interest rate offered on the deposit. The interest rates quoted to you by Gilts on deposits, are net of Gilts’ margin.
The bank or financial institution providing the deposit facility is responsible for paying Gilts the margin, which is likely to be less than
0.25% of the yield received on the deposit.
Distributing new issues or products
When Gilts acts as the distributor of new issues and fixed income products originated by third parties, Gilt will receive a commission
from the originator. In these instances, the commission payable differs with each issue. The level of commission will be disclosed in
the PDS for the issue and is likely to be in the range of 0.25% to 1.50% of the amount invested.
Representatives
Gilts does not remunerate its representatives upon individual transactions by Gilts’ clients. Rather, Gilts remunerates its
representatives by a salary, plus a monthly bonus of the net revenue generated by that person during that month if certain key
performance indicators are reached. An annual bonus may also be paid if other key performance indicators are reached. The
remuneration to Gilts representatives will be paid from (and therefore be less than) the margins or commission paid to Gilts set out
above.
Benefits for those who refer clients to Gilts
Gilts may pay a commission or other benefit to an external party who referred you to Gilts or to someone nominated by the
external, if you enter into a transaction. That commission or other benefit will not be a fixed amount or based upon a set formula
but will be paid from (and therefore be less than) the margins or commission paid to Gilts set out above and recorded in the
contract note or trade confirmation.
Making a complaint
Gilts’ goal is client satisfaction and it has established procedures that aim to deal with and resolve disputes, including membership
of an ASIC approved independent dispute resolution centre. If you have a complaint about the service provided to you, please take
the following steps:
Step 1:
Contact your representative and provide him or her with the details of your complaint.
Step 2:
If the representative has not satisfactorily resolved your complaint within three days, please contact Alastair Healey who is the
Managing Director and responsible officer of Gilts. Alastair will try to resolve your complaint quickly and fairly. Alastair’s contact
details are:
Phone: + 61 7 3123 7132
Fax: + 61 7 3123 7142
By post: GPO Box 1717

Brisbane, QLD 4001
By e-mail: ahealey@gilts.com.au
Step 3:
You may also complain to the Financial Ombudsman Service Limited or to ASIC; details are as follows -
Financial Ombudsman Service Limited
(Website: www.fos.org.au)
GPO Box 3 Tel: 1300 78 08 08
Melbourne VIC 3001 Fax: (03) 9613 6399
Gilt Investments Pty Ltd: Membership no. 26336 Email: info@fos.org.au
ASIC
Free-call Info-line: 1300 300 630
Email: infoline@asic.gov.au
Terms and Conditions
In consideration of Gilt Investments dealing with you or on your behalf, you are deemed to have acknowledged and agreed to the
following terms and conditions:
1. You warrant that you have received and read Gilts’ Financial Services Guide (FSG).
2. You acknowledge and agree that Gilts has warned you that:
(a) any advice provided by Gilts is general financial advice;
(b) the advice has been prepared without taking into account your objectives, financial situation or needs;
(c) before acting on any advice from Gilts, you should consider the appropriateness of the advice, having regard to
your objectives, financial situation and needs; and
(d) if any advice by Gilts relates to the acquisition, or possible acquisition, of a particular financial product, you should
obtain a product disclosure statement relating to the product and consider the statement before deciding
whether to acquire the product.
3. You authorise Gilts to act on your written or oral instructions to purchase, make, rollover, sell, redeem or reinvest fixed income
products and term deposit investments.
4. If you fail to provide Gilts with written or oral instructions for your existing fixed income, or term deposit, investments, then
(subject to the policy of the issuer of the fixed income product or the Approved Deposit-Taking Institution) you authorise Gilts
to provide the instructions necessary for the fixed income product or term deposit investment, to be rolled-over until Gilts
receives express instructions from you.
5. You acknowledge and agree that Gilts does not act as the agent of the issuers of fixed income products, or Approved Deposit-
Taking Institutions and is not responsible for any payments to be made by them to you.
6. You acknowledge and agree that Gilts may act as a principal or counterparty in any purchase or sale of fixed income products
by you.
7. You must pay for purchases (including taxes, costs, duties, and charges, in respect thereof) and make good delivery in respect
of sales, to enable Gilts to settle by the due settlement date. If you fail to pay for purchases or make good delivery in respect

of sales by the due settlement date, Gilts may sell all or part of those purchases and pass onto you all costs incurred by it as a
result of your failure to settle.
8. If you comprise more than one person you are jointly and severally bound by this agreement
9. Gilts may appropriate credits and all payments received from you or on your behalf to reduce any money owing by you to Gilts
whether on the Account or any other Account.
10. You acknowledge that Gilts may receive fees, commissions, or other benefits or advantages as a result of you executing a deal
with Gilts or a third party.
11. You acknowledge that Gilts may pay fees, commissions or other benefits and advantages to:
(a) its representatives as a result of you executing a deal with Gilts or a third party; and
(b) a third party who referred you to Gilts or to someone nominated by the third party.
12. Gilts may, at any time, reissue a Contract Note or Trade Confirmation in order to correct any errors or omissions.
13. You must notify Gilts in writing within two business days of any change in your name, address, telephone number or other
material circumstances affecting the settlement of transactions.
Privacy policy and collection statement
Your privacy is important to us
Gilts has created this Privacy Policy and Collection Statement (Privacy Policy) in order to demonstrate Gilts' firm commitment to
your privacy. Gilts is bound by the Privacy Act 1998 and the National Privacy Principles (NPP).
Gilts will update this Privacy Policy as required. If it is changed, the changes will be included in Gilts' Financial Services Guide and
posted on www.giltsinvestments.com so that you are always aware of the sort of information collected, how the information may
be used and under what circumstances it may be disclosed by Gilts.
This Privacy Policy does not apply to acts or practices of Gilts that are directly related to employee records of current or former
employees.
What sort of information does Gilts collect?
Gilts collects information about you (‘Information’) in the following ways:
1. Gilts collects Information about you when you or your agent perform transactions with Gilt Investments, or with third
parties when Gilt Investments is acting in its capacity as a fixed income dealer, and during the course of Gilts providing you
with its services in its capacity as a licensed dealer in fixed income products.
2. Gilts collects Information about you when you send Gilts an email, namely your email address and any other personal
information which you disclose in your email.
3. Gilts collects Information about you when you register as a client of Gilts either by telephone, written communications,
and/or email.

What happens if you do not provide the Information?
If you do not supply sufficient personal information to Gilt Investments, Gilts may not be able to carry out your instructions to
perform transactions in relation to fixed income products, ensure that the products and money due to you is able to be transferred
to you or provide you with information arising out of your business relationship with Gilts.
Why does Gilt Investments collect the information and how is your information used by Gilts?
Gilts collects the information to provide you with Gilts' services as a licensed dealer in fixed income products. For example, Gilts
may use the Information to comply with your instructions relating to transactions in fixed income products.
Gilts also uses the information to send you information (either by email or post) that you request, such as contract notes. If at any
time you receive material that you did not request, or which you no longer wish to receive, please inform Gilts by correcting and
updating your profile as discussed below.
Who does Gilts disclose personal information to?
Gilts will not sell, rent, trade or otherwise supply to third parties any personal Information obtained from you unless you consent.
Gilts will supply to third parties (for example financial institutions) personal information obtained from you in order to carry out
transactions in fixed income products which you have instructed us to perform. Gilts may develop aggregate (that is, not individual)
reports which incorporate some of the Information. The reports are for use by Gilts and its business partners, however, these
reports do not include any personally identifiable Information.
Please note that if at any time Gilts is required by law to release information about you or your organisation, Gilts must cooperate
fully.
How will Gilts keep your personal information secure?
Gilts has security measures in place designed to protect against the loss, misuse or alteration of the Information under its control.
These security measures include:
1. Access to the Information by employees of Gilts is restricted to those employees who are required to access the
Information in order to carry out your instructions in relation to transactions in fixed income products.
2. Gilts has clauses in employee contracts requiring confidentiality of Gilts’ clients and their information.
3. The Information is stored on computers in Gilts' lockable offices.
Correcting and updating your profile
Gilts gives you the following options for accessing and modifying information previously provided:
1. You may gain access to Information that Gilts has collected about you by contacting the person named below. We will not
charge you for responding to such a request, unless we incur costs in providing the Information.
2. You may contact the person named below, by telephone, written communications or email to notify Gilts of the necessary
corrections or updates to the Information.

Contact us
If you have any queries, or would like further information on Gilts terms and conditions, please contact:
Alastair Healey (Managing Director)
Gilt Investments Pty Ltd
GPO Box 1717
Brisbane, QLD 4001
Telephone: + 61 7 3123 7132
Facsimile: + 61 7 3123 7142
Email: ahealey@gilts.com.au

GILTS - Brochure & FSG 06 May 14 (Letterhead)

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