This document provides information about financial planning services offered by Oracle Financial Solutions, including products, target markets, fees, and processes. Key points include: - Product offerings include superannuation, investments, property, risk insurance, and mortgage broking. - Target markets include those aged 55+ with high incomes for transition to retirement strategies, and individuals with $200k+ in super for SMSFs. - Fees vary depending on the product but commonly include plan fees of $440, implementation fees from $1,100, and 0.66% of funds under management for super. - The financial planning process involves identifying qualifying clients, appointments and advice preparation, presentations, and file creation. It

2. Service Agreement

4. 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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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.

11. 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.

12. Oracle Financial Solutions

13. 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

14. 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

15. 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.

16. 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

17. 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.

18. 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.

19. 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.

21. 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

22. 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

23. 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).

24. 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

25. 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

26. 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.

27. 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

28. 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

29. Questions