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Issued by Macquarie Equities Limited ABN 41 002 574 923 Australian Financial Services Licence No. 237504 Participant of the Australian Securities Exchange Group MArch 2014

Money MarketService Application Booklet

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Contents

02 Money Market Service

03 Money Market Service - Terms and Conditions

08 Anti-Money Laundering (AML)/Counter-Terrorism Financing (CTF) Act 2006

10 Completing your application

12 Application Form checklist

17 Application Form

Inserts:

FSC/FPA Identification Form for Individuals & Sole Traders

Macquarie Cash Management Account Product Information Statement

Macquarie Bank Term Deposit Terms and Conditions

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Macquarie’s Money Market Service deals in a range of cash investments with a number of financial institutions allowing you to consolidate your cash investments with the rest of your portfolio.

A wealth of opportunitiesThe Money Market Service team conducts ongoing market research to ensure the rates, terms and transaction options available through our Money Market Service are competitive in comparison with what you could receive directly from the fi nancial institution.

Types of cash investments available include:

• term deposits

• at call accounts

• fi xed interest securities.

Advantages of using the Money Market Service • Buying power

Macquarie Private Wealth has over $3.5 billion* of client funds invested in fi xed interest investment securities and cash products through the Money Market Service, allowing us to negotiate rates for our clients.

• Competitive rates

Our experienced Money Market Service team are in daily contact with borrowers to deliver you some of the best available rates on At Call, short and long term cash and fi xed interest investments.

• Choice of cash solutions

Our Money Market Service team compares the available rates and offers from a range of institutions including Macquarie Bank. You can then select the most appropriate fi xed interest security or cash product for your investment needs.

Investment institutions

Money Market Service

Cash solutions

Termdeposits

At callaccounts

Fixed interestsecurities

Money Market Service

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Money Market Service Terms and Conditions

1. You acknowledge that Macquarie Private Wealth’s Money Market Service (“Service”) is provided by Macquarie Equities Limited (“MEL”).

2. You acknowledge that MEL will not act on a discretionary basis on your behalf, or for your benefit, under any circumstances in relation to the Service.

3. You authorise and request MEL to make investments in your name, at your direction or at the direction of any representative that you appoint and notify us of in writing of (“Authorised Representative”), with various institutions using funds held by MEL on your behalf which may include monies held in MEL’s trust account.

4. Where we have your instruction, you authorise MEL to complete any application process on your behalf including providing required personal information and completing and signing forms. Where applicable, you authorise MEL, with your instruction, to nominate and/or change your settlement account details held with the issuers of the products in which you invest through the Service. You agree to complete any additional investment documentation, where requested. You authorise MEL to accept disclosure documents and enter agreements on your behalf. Except where required by law, you acknowledge that MEL is not obliged to forward to you investment product documentation MEL may receive concerning investments made in your name.

5. You acknowledge that upon our receipt of instructions from you or any Authorised Representative(s) we will assume that you have read and agree to the terms and conditions of the investment into which you are instructing us to place your funds. Any dispute you may have concerning the investment would be a matter for you to resolve with the issuer of the investment. In the case of placing funds with third parties, we do not warrant the characteristics or quality of the investments and we are not liable to you for those investments.

6. You authorise and request MEL to access any of the funds deposited in accordance with this authority, for settlement of all transactions, and to debit any of these funds for any payments arising in relation to transactions including, but not limited to the subscription and acquisition of financial products and any associated fees and charges related to the services provided by MEL.

7. You authorise and request MEL to have access to any of the funds deposited in accordance with this authority to apply, close, transfer, withdraw, redeem, reinvest or renew the investments as directed by you.

8. Your funds earn interest from when they are invested, assuming we have all the documentation we require to

open your account. For example if you transfer funds on a Monday night and we invest your funds on the Wednesday, your funds will begin earning interest from the Wednesday.

9. Through the Service, we facilitate a range of investments with different terms and conditions. Those terms and conditions, including rates of return and fees, are subject to change at the discretion of the issuer of the investment.

10. You agree that MEL is not liable for any financial consequence or inconvenience as a result of not acting on your instructions or the instructions of any Authorised Representative(s) where MEL had reasonable grounds for not acting.

11. You represent that you and any person you have authorised to act on your behalf in relation to the Service is at least 18 years old.

12. If there is more than one account holder, then you agree that you are each jointly and severally liable under these terms and conditions. Until otherwise specified in writing, you agree that MEL may act on the instructions of any one of you, without the necessity to refer to or notify any other person in connection with those instructions.

13. You acknowledge that if you become aware of any unauthorised instructions on your account you will contact MEL or your Macquarie Private Wealth adviser as a matter of urgency. You agree that we are not liable to you where we reasonably act on instructions later determined to be unauthorised, where you have unreasonably delayed informing us of unauthorised activity on your account.

14. You agree to notify MEL in writing within two (2) business days of any change in the personal details that you have previously provided in connection with your account. You acknowledge that MEL is not able to accept notification by email.

15. MEL may vary these terms and conditions by giving you notice of the variation in the following manner:

a. where the variation would cause you detriment, by giving you at least 21 days written notice;

b. where the variation would not cause you detriment, by giving you at least 14 days notice, such notice to be given by:

i. posting notice of the changes on our website (macquarie.com.au/personal); or

ii. any other form of written notice; and

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c. subject to 15(a), where the variation is required in order to:

i. meet regulatory requirements;

ii. reflect new industry guidance and codes of practice which in our reasonable opinion are likely to raise standards of consumer protection (whether mandatory or voluntary); or

iii. comply with any legal requirement, or any decision, code, recommendation, guidance or standard of any regulatory authority, court or tribunal;

by giving you at least 14 days notice (where reasonably possible), such notice to be given by:

i. posting notice of the changes on our website; or

ii. any other form of written notice;

but where this is not reasonably possible (for example if regulatory requirements necessitate that changes be implemented immediately), we will provide as much notice as possible, but you acknowledge that we may not be able to provide any notice, or only less than 14 days notice in such circumstances.

Hard copy versions of the revised terms and conditions will be sent to you on request.

If, following a variation to these terms and conditions, you no longer wish to maintain your account with MEL, you may terminate your account with us. We will not charge you any exit or termination fees in connection with the termination of the Service and these terms and conditions, but you will be required to satisfy any current obligations or dealings prior to the termination becoming effective. Following termination of the Service, you will be responsible for the management and administration of the investments you have obtained through the Service including any fees or expenses incurred by transferring the investments into your (or a replacement broker’s) control.

16. Privacy Statement

a. We may collect, hold, use and disclose personal information about you to process your application, administer and manage the products and services we provide to you, monitor, audit and evaluate those products and services, model and test data, communicate with you and deal with any complaints or enquiries.

b. We collect and record personal information through our interactions with you and your nominated adviser(s), including by telephone, email or online. We may also collect personal information from public sources and third parties including information brokers and our service providers. Without this information, we may not be able to process your application or provide you with an appropriate level of service. We are required or authorised to collect your personal information under various laws including AML/CTF Laws (as defined in clause 24), the Superannuation Industry (Supervision) Act 1993 (Cth), the Taxation Administration Act 1953 (Cth), the Income Tax Assessment Act 1936 (Cth) and the Income Tax Assessment Act 1997 (Cth), the Corporations Act 2001 (Cth), Life Insurance Act 1995 (Cth), Insurance Contracts Act 1984(Cth), the Foreign Account Tax Compliance Act

(US), and any similar law of any country, and any related laws designed to implement those laws in Australia as well as and any associated regulations or Rules.

c. Where you provide us with personal information about someone else you must first ensure that you have obtained their consent to provide their personal information to us based on this Privacy Statement.

d. We may exchange your personal information with other companies in the Macquarie Group as well as our service providers which are described further in our Privacy Policy. We will supply the adviser(s) nominated on your application form or in a subsequent written communication to us, and their Australian financial services licensee if applicable, with information about your account. We may also disclose personal information to regulatory authorities (e.g. tax authorities in Australia and overseas) in connection with their lawful information requests or to meet our legal obligations in any relevant jurisdiction. The third parties with whom we exchange personal information may operate outside of Australia (this includes locations in India, the Philippines, the United States of America and the countries specified in our Privacy Policy). Where this occurs, Macquarie takes steps to protect your information against misuse or loss.

e. We and other companies in the Macquarie Group may use your personal information to contact you on an ongoing basis by telephone, electronic messages (like email), online and other means to offer you products or services that may be of interest to you, including offers of banking, financial, advisory, investment, insurance and funds management services, unless you change your marketing preferences by telephoning us as set out below or visiting macquarie.com.au/optout-bfs. Under the Privacy Act, you may request access to your personal information that we hold. You can contact us to make such a request or for any other reason relating to the privacy of your personal information by telephoning us on 1800 806 310 or emailing [email protected]. Please mark communications to the attention of our Privacy Officer.

f. You may also request a copy of our Privacy Policy which contains further details about our handling of personal information, including how you may access or update your personal information and how we deal with your concerns. The Privacy Policy can also be found via macquarie.com.au.

17. a. Your rights under these terms and conditions are incapable of being assigned (whether at law, in equity or otherwise) or made the subject of any encumbrance, trust or fiduciary obligation without the prior written consent of MEL, which consent may be withheld by MEL acting reasonably. Any action which puports to do any of these things without MEL’s prior written consent is void.

b. Where such assignment does not prejudice your rights under these terms and conditions, MEL may assign or otherwise deal with its rights under these terms and conditions without your consent for legitimate business purposes including business reconstruction, amalgamation, sale or securitisation.

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c. Where such assignment may prejudice your rights under these terms and conditions, MEL may assign or otherwise deal with its rights under these terms and conditions by providing you with at least 10 business days written notice.

d. You agree that MEL may disclose to any person taking a transfer or assignment, or considering taking a transfer or assignment, any relevant personal or other information or documents that person or entity reasonably requires.

18. You acknowledge that:

a. you are not obliged to provide MEL with any of the personal information requested in the Application Form, or in any other document or communication relating to the products or services MEL facilitates, offers or supplies to you. However, without this information, MEL may not be able to process your application or provide you with the appropriate level of service;

b. you may request access to your personal information held by MEL by contacting MEL.

19. You should be aware that we may record all of our phone conversations with you and your adviser relating to your account. By completing the application attached, you consent to this recording and its use (or any transcript of the recording) in any proceedings that may be commenced in connection with your account and you acknowledge that we are not obliged to maintain copies of such recordings or transcripts for your benefit. When calling, please let us know if you do not want your conversation to be recorded.

20. Our collection of your tax file number (TFN) is authorised, and its use and disclosure strictly regulated by, tax laws and the Privacy Act. You do not have to provide us with your TFN, and declining to do so is not an offence. If you do provide us with your TFN, we are required to disclose your TFN to any investment body where you invest in their products/services through us. We are required to do this until you revoke your quotation of your TFN. However, if you do not provide us with your TFN (or claim an exemption), tax may be withheld by the investment bodies from income due to you at the highest marginal rate (plus Medicare levy) before it is paid to you. For more information about the use of TFNs please phone your nearest Tax Office.

21. We are required to comply with anti-money laundering and counter-terrorism financing laws. You agree to provide to us upon request with any information we reasonably require to comply with those laws. You acknowledge that, in order to comply with those laws, we may be required to suspend or cease providing services to you. You acknowledge that we may not be permitted to provide you with information concerning actions we take in compliance with these laws. You agree that we will not be liable for any financial consequences or inconvenience connected with our compliance with those laws.

22. Any dispute between you and MEL will be dealt with in accordance with Macquarie Group’s complaints policy. This policy can be found at macquarie.com.au/au/complaints_policy.htm.

All parties to this agreement may utilise the Financial Ombudsman Service (FOS), of which MEL is a member, to resolve any dispute.

23. Upon maturity, we will repay or reinvest all or part of your initial principal and interest in accordance with the written instructions we receive. Where all or part of your principal plus interest is to be repaid, we will electronically credit your Nominated Bank Account by the end of the next Business Day. Where we have not received instructions at least one Business Day prior to maturity, we will roll your investment for the same term at the interest rate offered at that time.

If you have invested in a product that requires a Product Disclosure Statement such as a Debenture and we don’t have instructions, we will pay the principal and interest to your Nominated Bank Account.

24. Anti-Money Laundering and Counter-Terrorism Financing Act 2006

a. You must not knowingly do anything to put MEL in breach of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, rules and other subordinate instruments (AML/CTF Laws). You agree to notify MEL if you are aware of anything that would put MEL in breach of AML/CTF Laws.

b. If requested, you agree to provide additional information and assistance and comply with all reasonable requests to facilitate MEL’s compliance with AML/CTF Laws in Australia or an equivalent overseas jurisdiction.

c. You represent and warrant that you are not aware and have no reason to suspect that:

– the money used to fund the investment is derived from or related to money laundering, terrorism financing or similar activities (Illegal Activities); and

– proceeds of investment made in connection with this product will fund Illegal Activities.

d. MEL is subject to AML/CTF Laws. In making an application pursuant to these terms and conditions, you consent to us disclosing in connection with AML/CTF Laws any of your Personal Information (as defined in the Privacy Act 1988 (Cth)) we have.

e. In certain circumstances we may be obliged to freeze or block an account where it is used in connection with Illegal Activities or suspected Illegal Activities. Freezing or blocking can arise as a result of the account monitoring that is required by AML/CTF Laws. If Macquarie freezes or blocks your account because it believes on a reasonable basis that it is required to do so in order to comply with AML/CTF Laws we are not liable to you for any consequences or losses whatsoever and you agree to be liable for any losses, costs and expenses incurred by Macquarie Equities and MBL if we are found liable to a third party in connection with the freezing or blocking of your account.

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f. MEL retains the right not to provide services/ issue products to any applicant that MEL decides, in its sole discretion, that it does not wish to supply.

25. You acknowledge that MEL is not an authorised deposit-taking institution for the purposes of the Banking Act 1959(Cth) and MEL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited. Macquarie Bank Limited does not guarantee or otherwise provide assurance in respect of the obligations of MEL.

26. Direct Debit Request Service Agreement (DDR Service Agreement)

a. This clause 26 applies only if you have nominated an account in the Application Form (Nominated Bank Account) from which you authorise us to directly debit amounts.

b. Under this DDR Service Agreement, you authorise MEL to debit your Nominated Bank Account, through the Bulk Electronic Clearing System (BECS), with any amounts which MEL may debit or charge you under the Service.

c. You confirm that MEL is entitled to rely on this authorisation until MEL receives written notice from you to the contrary.

d. You are solely responsible for ensuring that there are sufficient cleared funds available in your Nominated Bank Account to honour any direct debit request we make on your behalf.

e. The financial institution holding your Nominated Bank Account may, in its absolute discretion, decide the order of priority of payment by it of any money pursuant to this DDR Service Agreement and may, by notice in writing to you, terminate your direct debit for any reason whatsoever.

f. You can modify, defer or stop your use of this direct debit service at any time by giving MEL notice in writing. Your request will normally be processed within seven days of receiving your properly completed request. Any request to stop this direct debit service may also be directed to the financial institution holding your Nominated Bank Account.

g. Where reasonable, MEL may vary any of the terms of these direct debit arrangements, by fourteen days notice in writing to you or by advertisement in a widely circulating newspaper.

h. We will ordinarily cease to request a direct debit where our request has been rejected by the financial institution which holds your Nominated Bank Account on three consecutive attempts, due to insufficient funds in your account. If this occurs, we will notify you.

i. If you believe that there has been an error in debiting your account, you should notify us directly and confirm in writing as soon as possible, to assist us to resolve your query more quickly. If we conclude, as a result of our investigations, that your Nominated Bank Account has been incorrectly debited, we will respond to your query by arranging for your financial institution to adjust your account accordingly (including interest and charges). We will also notify you in writing of the amount by which your Nominated Bank Account has been adjusted. If we conclude, as a result of our investigations, that your Nominated Bank Account had been correctly debited, we will provide you with reasons and any evidence for this finding. You should direct any queries you have about a debit under this DDR Service Agreement to us, in the first instance, so that we can attempt to resolve the matter between you and us. You can also contact the financial institution holding your Nominated Bank Account concerning any disputed debit.

j. MEL will treat your direct debit request records and account details as confidential, except where we need to pass on those details to your financial institution, to assist with the checking of any incorrect or wrongful debits to your account.

27. Authorised Representative

a. You may request us, by completing the relevant section of the Application Form, to allow another person or persons (‘the Authorised Representative’) to operate or access your Account. The Authorised Representative will need to provide proof of identification documents as set out in the Application Form.

b. These Terms and Conditions apply to the Authorised Representative in the same way that they apply to you. You should ensure that the Authorised Representative has read these Terms and Conditions and complies with them. If the Authorised Representative does not comply with these Terms and Conditions, you will be held liable.

c. We cannot accept amendments to your Account details from an Authorised Representative.

d. Subject to these terms and conditions we may act on electronic or verbal instructions which purport to be from the Authorised Representative to your Account.

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e. The authority of the Authorised Representative can only be revoked by notifying us in writing. We may cancel the authority of the Authorised Representative at any time if we receive written notice of the death, bankruptcy, or mental illness of either you or the Authorised Representative.

f. You consent to us giving the Authorised Representative information about your Account.

g. When the Authorised Representative instructs us to carry out an action, or conduct a transaction, we will act on the instructions of that person. We are not required to make any inquiries in relation to any instructions received from the Authorised Representative in relation to the operation of your Account. We are not liable for any loss or damage caused to you by the Authorised Representative operating or accessing your Account.

28. If any term or part of these terms and conditions is invalid or not enforceable in accordance with its terms, all other terms or parts which are self-sustaining and capable of separate enforcement without regard to the invalid or unenforceable term or part will be and continue to be valid and enforceable in accordance with its terms.

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Anti-Money Laundering (AML)/Counter-Terrorism Financing (CTF) Act 2006

The AML/CTF Act 2006 was introduced in Australia to meet higher international standards and to protect Australian business for being used for money laundering and terrorism financing activity. To meet our regulatory obligations as a reporting entity offering designated services, we are required to collect and verify minimum `know your customer’ (KYC) information which will vary by investor type. In some instances we may be required to conduct enhanced due diligence before being able to proceed with your application.

Guidance notes for certification and verification1. What is a certified copy?

A certified copy is a document that has been certified as a true and accurate copy of the original document by one of the following persons listed below. The authorised person should also print their name and position and if possible affix an official stamp.

• An officer with, or authorised representative of, a holder of an Australian Financial Services Licence (AFSL), having 2 or more continuous years of service with one or more licensees.

• Finance company officer with 2 or more continuous years of service with one or more finance companies (for the purposes of the Statutory Declaration Regulations 1993).

• An officer with 2 or more continuous years of service with one or more financial institutions (for the purposes of the Statutory Declaration Regulations 1993).

• A permanent employee of the Australian Postal Corporation with 2 or more years of continuous service who is employed in an office supplying postal services to the public.

• An agent of the Australian Postal Corporation who is in charge of an office supplying postal services to the public.

• A Justice of the Peace.

• A person who is enrolled on the roll of the Supreme Court of a State or Territory, or the High Court of Australia, as a legal practitioner (however described).

• A judge of a court.

• A magistrate.

• A chief executive officer of a Commonwealth court.

• A registrar or deputy registrar of a court.

• An Australian police officer.

• An Australian consular officer or an Australian diplomatic officer (within the meaning of the Consular Fees Act 1955).

• A member of the Institute of Chartered Accountants in Australia, CPA Australia or the National Institute of Accountants with 2 or more years of continuous membership.

• A notary public (for the purposes of the Statutory Declaration Regulations 1993).

2. Offshore certification

In the case of individuals and companies based offshore who cannot have documents certified by an Australian person as listed above, it is acceptable to accept certification completed by the international equivalent of the above listed person. However, where the applicant is based in a jurisdiction of extreme/high risk, we may request additional information and identification to ensure we are reasonably satisfied that an applicant is who they claim to be.

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3. Verification through an authorised Financial Adviser

An authorised financial adviser is an adviser who has held an AFSL or has provided financial services as a representative on behalf of an AFSL holder, for 2 or more continuous years.

If you are being identified by an authorised financial adviser, your adviser will need to

• Certify copies (or collect certified copies) of your proof of identification documents and arrange for verification of these documents.

– For all applicant types (as listed in the Application form checklist on the following page), the relevant FSC/FPA* Identification Form will need to be completed. A copy of the Identification Form for Individuals and Sole Traders is included in the back of this booklet. Further copies, and all other FSC/FPA* Identification Forms are available at macquarie.com.au/idforms.

• Send us

– the completed Money Market Service Application Form and

– relevant FSC/FPA* AML/CTF Identification Forms

– supporting proof of identification documents.

* FSC is the Financial Services Council and the FPA is the Financial Planning Association. Some of the more commonly used identification forms are available for downloading at macquarie.com.au/idforms.

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Completing your application form

1. Decide your applicant type

Applications may be made by an individual, sole trader, joint applicants, a company, a trustee of a trust or a superannuation fund, a partnership, an association, a registered co-operative or a government body. Please use the table below and the checklist in the Application form as a guide on how to apply correctly.

If you are opening a Macquarie Bank Limited Term Deposit, please review the terms and conditions of the Term Deposit in the back of this application booklet. You will need to indicate the investment value and term for the term deposit in Section 5 of the application form.

2. Complete the application Form

Please ensure you complete all relevant sections. Your application cannot be processed without all the required details.

Please provide the individual’s or entity’s TFN or reason for exemption, if available. Please note: Collection of tax file numbers is authorised and its use and disclosure is strictly regulated by the tax laws and Privacy Act. Quotation is not compulsory but tax may be withheld from interest paid to you from the underlying investment through the Money Market Service if you do not provide us with your tax file number or claim an exemption. For more information, please contact the Australian Tax Office.

3. Complete the applicable FSC/FPA* AML/CTF Identification Form

Please ensure you also complete the applicable FSC/FPA AML/CTF Identification Form.

Foreign Account Tax Compliance Act (FATCA)

FATCA is United States (US) tax legislation that assists the US Internal Revenue Service (IRS) to identify and collect tax from US residents for tax purposes that invest in certain financial accounts through non-US entities. If you are a US resident for tax purposes, you should note that an issuer of a financial product offered via the Service may be a ‘Foreign Financial Institution’ under FATCA. Such an issuer may intend or be required to comply with FATCA obligations, as determined by either the FATCA regulations or any inter-governmental agreement (IGA) entered into by Australia and the US for the purposes of implementing FATCA and any Australian laws and regulations relating to the IGA (FATCA Laws).

Information provided by you in the application form for the Service or to your financial adviser (if you are being identified by your financial adviser as part of your application for the Service then your adviser will also need to complete the FATCA questions contained in the relevant FSC/FPA identification form for the type of account you are opening), may be used by MEL or any related body corporate to comply with FATCA Laws (where applicable). This information may also be provided by us to any issuer of financial products offered via the Service to enable them to comply with their FATCA obligations under the FATCA Laws and you are required to consent to the provision of this information to them (which may be personal information for the purposes of the Privacy Act 1988 (Cth)) as part of the Service. In signing an application form for the Service you are providing your consent to the provision to any issuer of financial products offered via the Service of your personal information for the purposes of the FATCA Laws. You are also providing confirmation that any information provided in the application form or provided to your adviser, as part of their completion of the relevant FSC/FPA Identification form, is correct and where relevant reflects your tax status for the purposes of the FATCA Laws. You agree to promptly notify MEL and provide MEL with any changes to the information provided by you in connection with the FATCA Laws and on request with any further information which is necessary or desirable for MEL or any issuer of financial products offered via the Service to comply with any obligations it may have in connection with the FATCA Laws.

4. Include proof of identification documents (for each applicant)

Please present to your financial adviser or the relevant checking officer relevant original or certified copies of identification documents as listed in the Application Form checklist.

Your application cannot be processed without all the required identification documents.

5. Provide bank statement or deposit slip

Additionally, a copy of your bank statement or deposit slip must be supplied for your Nominated Bank Account, outlined in Section 6 of the application form.

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If you are investing for:…your account must be in the name of:

Example:The account designation could be:

an individual the full given and last name of the individual

Mrs Mary Elizabeth Brown None required

joint applicants the full names of the individuals

Mrs Mary Elizabeth Brown and Mr James Anthony Brown

None required

a company the company name ABC Pty Ltd None required

an unincorporated body name of the unincorporated body

Hurstville Soccer Club None required

a partnership the partners Mrs Mary Elizabeth Brown and Mrs Jesse Johnson

Brown Johnson & Assoc

a trust the trustee(s), rather than the name of the trust1


Family Fund A/C

a corporate trust the corporate trustee, rather than the name of the trust.

ABC Pty Ltd Staff Super Fund A/C

a superannuation fund the trustee(s) of the superannuation fund1


Brown Corp Super Fund

a minor the trustees, rather than the name of the minor


Miss Louise Brown (name of the minor)

a deceased estate2 the executors of the estate Mrs Mary Elizabeth Brown Estate of Agnes Johnson

1 Applications in the name of a trust, rather than the trustee, will not be accepted. 2 Two certified copies of Probate must accompany the completed application. * FSC is the Financial Services Council and the FPA is the Financial Planning Association. Some of the more commonly used identification forms are available for downloading at macquarie.com.au/idforms..

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Application form checklist

The table below summarises the sections of this application form and FSC/FPA Identification Forms (available for downloading on macquarie.com.au/idforms) that must be completed and any documentation required to support your application. Please select your applicant type and tick off the checkboxes when completed.

Foreign documentation — Where any documentation relied on as part of the procedure is in a language that is not English, it must be accompanied by an English translation prepared by an accredited translator.

Applicant typeSections to complete

Whose name must the account be in

Who signsDocumentation required for ID verification

Individual Applicant

Section 1(a) of Application form

Section 4 to 8 of Application form

The individual The individual Provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders.

If Attorney(s) – If you are signing under power of attorney, please also attach a certified copy of the power of attorney.

Joint Applicants Section 1(a) to 1(c) of Application form (as appropriate)


Each individual investor

All investors Provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders.

If Attorney(s) – If you are signing under power of attorney, please also attach a certified copy of the power of attorney.

Sole Trader Section 1(a) and 1(d) of Application form


The individual and the business name

The sole trader Provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders.

If sole trader – also provide certified copy of registration of business name.

Investing for a child under 18 (minor)

Section 1(a) to 1(c) of Application form (as appropriate)


The parent or guardian (as trustees for the trust)

The parent or guardian

Provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders.

If minor – the parent or guardian also needs to provide a certified copy of the minors birth certificate.

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Deceased Estate



The executors of the estate (as trustees for the trust)

The executor Provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders.

If deceased estate – the executor also needs to provide a certified copy of the grant of probate or letters of administration.

Australian Companies


Section 2 of Application form


AND

FSC/FPA Identification Form for Australian Companies

The company • Two officers (eg directors or a director and secretary)

OR

• As required by the constitution/rules of the company

OR

• One director (for a sole director company)

Provide original or certified copies of the documentation listed in Australian Company Verification Procedure Section of the Australian Company FSC/FPA Identification Form for Australian Companies

All authorised signatories/directors also need to provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders

Foreign Companies




AND

FSC/FPA Identification Form for Foreign Companies

The company • Two officers (eg directors or a director and secretary)

OR

• As required by the constitution/rules of the company

OR

• One director (for a sole director company)

Provide original or certified copies of the documentation listed in Foreign Company Verification Procedure Section of the FSC/FPA Identification Form for Foreign Companies.

All authorised signatories/directors also need to provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders

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Non Corporate Trusts

(including super-annuation funds)




AND

FSC/FPA Identification Form for Australian Regulated Trusts & Trustees, OR the FSC/FPA Identification Form for Unregulated Trusts & Trustees (as appropriate)

The trustees of the trust

All trustees Provide original or certified copies of the documentation listed in Trust Verification Procedure Section and Individual Trustee Verification Procedure Section of the FSC/FPA Identification Form for Trusts and Trustees (The certified copy/extract of the trust deed should show the trust name, trustee(s) names, trustee(s) signatures with witness’ signatures)

All authorised signatories/executors also need to provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders

Corporate Trusts

(including super-annuation funds)





AND

FSC /FPA Identification Form for Australian Regulated Trusts & Trustees, OR the FSC/FPA Identification Form for Unregulated Trusts & Trustees (as appropriate)

FSC/FPA Identification Form for Australian Companies, OR the FSC/FPA Identification Form for Foreign Companies (as appropriate)

The Corporate Trustee

• 2 directors

OR

• sole director

OR

• director and company secretary (as required by the constitution/rules of the company)

Provide original or certified copies of the documentation listed in Verification Procedure Section of the appropriate FSC/FPA Identification Form for Australian Regulated Trusts & Trustees, OR for Unregulated Trusts & Trustees (The certified copy/extract of the trust deed should show the trust name, trustee(s) names, trustee(s) signatures with witness’ signatures)

Provide original or certified copes of the documentation listed in Verification Procedure Section of the relevant FSC/FPA Identification Form for Australian Companies, OR the FSC/FPA Identification Form for Foreign Companies (as appropriate)

All authorised signatories/executors also need to provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders

15




Partnerships & Partners

Section 1(a) to 1(c) of Application form (as appropriate for partners)

Section 2 of Application form (for partnership)


AND

FSC/FPA Identification Form for Partnerships and Partners

The principals of the partnership

The Partners Provide original or certified copies of the documentation listed in Partnership Verification Procedure Section and Individual Partner Verification Procedure Section of the FSC/FPA Identification Form for Partnerships and Partners (The certified copy/extract of the partnership agreement should show the names of the partners).

All authorised signatories also need to provide original or certified copies of the documentation listed in the Verification Procedure Section of the FSC/FPA Identification Form for Individuals & Sole Traders

Associations

Incorporated or Unincorporated

Section 1(a) to 1(c) of Application form (as appropriate for officers)

Section 2 of Application form (for Association)


AND

FSC /FPA Identification Form for Associations

The name of the incorporated body

OR

Officers on behalf of the unincorporated body

Appointed officers. Applications must be completed under common seal and witnessed by two officers (for incorporated associations).(All officers must specify their title)

Provide original or certified copies of the documentation listed in Association Verification Procedure Section and Individual Member Verification Procedure Section (if applicable) of FSC/FPA Identification Form for Associations (This should include a copy of signed meeting minutes showing which officers can open and operate on the account)


Registered Cooperatives


Section 2 of Application form (for Registered Co-operative)


AND

FSC/FPA Identification Form for Registered Cooperatives

The name of the Registered Cooperative

Appointed officers. Applications must be completed under common seal and witnessed by two officers.(All officers must specify their title)

Provide original or certified copies of the documentation listed in Registered Cooperative Verification Procedure Section of the FSC/FPA Identification Form for Registered Cooperatives


16




Government Body


Section 2 of Application form (for Government body)


AND

FSC/FPA Identification Form for Government Bodies

The name of the Government Body

Appointed officers. Provide the documentation listed in Government Body Verification Procedure Section of the FSC/FPA Identification Form for Government Bodies

For foreign government bodies, information about beneficial ownership/control should also be provided


In addition to the above, please also provide:

A copy of your bank statement or deposit slip for your Nominated Bank Account, as nominated in section 6 of the application form.

Money Market Service Application

Complete this form using BLACK INK and print well within the boxes in CAPITAL LETTERS. Mark answer boxes with a cross (X).

Please complete ALL questions and provide the required identification documentation as incomplete applications may cause delays in the application being processed.

You must be a resident of Australia to apply.

Please ensure you have completed all fields and signed this form. You can return it by either faxing it to your adviser or emailing it to: [email protected]

If you have any questions, please call your adviser or contact us on 1800 789 789.

Dated: March 2014

1Individual applicants

1a. Applicant 1 details (all applicants must complete this section)

Please specify your preferred contact person for correspondence (if applicable) Applicant 1 Applicant 2 Applicant 3

Investor type

Individual applicant/Sole trader/ Joint applicant

Individual Trustee All Individual Trustees must also complete section 3

Partner All Partnerships must also complete section 2

Director of Corporate applicant (if more than one director, complete Section(s) 1(b) and 1(c)) All Corporates must also complete section 2

Director of Corporate Trustee (if more than one director, complete Section(s) 1(b) and 1(c)) All Corporate Trustees must also complete sections 2 and 3

Secretary of Corporate All Corporates must also complete section 2

Officer of Association All associations must also complete section 2

Officer of Registered Cooperative All Registered Cooperatives must also complete section 2

Officer of Government Body All Government Bodies must also complete section 2

Title

Mr Mrs Ms Dr Other

First name(s)

Last name

Other name known by

Money Market Service Application 2 of 14

Address details

Residential address (this cannot be a PO Box)

Street number and name

Suburb

State Postcode

Country

If mailing address is the same as residential address, cross here

Mailing address (please complete if different to residential address)


Suburb

State Postcode

Country

Work phone number Home phone number

Mobile phone number Fax number

Email

Driver’s licence number Expiry date Date of birth

Passport number Expiry dateCountry of

issue

Occupation Gender Male Female

Are you an Australian resident for tax purposes?

Yes No If no, please specify your country of residence for tax purposes

Collection of TFNs is authorised and their use and disclosure is strictly regulated by the tax laws and the Privacy Act. Quotation is not compulsory but tax may be withheld from your income if you do not provide us with your TFN or claim an exemption.

Tax file number (TFN)

Or exemption details including expiry date (if applicable)

Expiry date

As an alternative to quoting your TFN, you may wish to quote your Australian business number (ABN) in section 1d, 2 or 3 as appropriate. To quote your ABN you must be conducting your account in the course of a business.

Do you have an existing Macquarie Access code (MAC)? If yes, please insert. This will allow you to view all of your Macquarie products online via MyHome


1b. Applicant 2 details (if applicable)

Investor type

Joint applicant

Second Director of Corporate/Partner/ Secretary of Corporate (also complete section 2)

Second Director of Corporate Trustee (also complete sections 2 and 3)

Additional Individual Trustee (also complete section 3)

Officer of Association (also complete section 2)

Officer of Registered cooperative (also complete section 2)

Officer of Government body (also complete section 2)

Are you or your partner a Macquarie staff member? No Yes Please provide employee ID

Title

Mr Mrs Ms Dr Other

First name(s)

Last name

Other name known by

Address details



Suburb

State Postcode

Country



Suburb

State Postcode

Country

Work phone numberHome phone

number


Email


Passport number Expiry date Country of issue




Collection of TFNs is authorised and their use and disclosure is strictly regulated by the tax laws and the Privacy Act. Quotation is not compulsory, but tax may be withheld from your income if you do not provide us with your TFN or claim an exemption.

TFN



Expiry date

As an alternative to quoting your TFN, you may wish to quote your ABN in section 1d, 2 or 3 as appropriate. To quote your ABN you must be conducting your Account in the course of a business.


1c. Applicant 3 details (if applicable)Investor type

Joint applicant

Second Director of Corporate/Partner/ Secretary of Corporate (also complete section 2)

Second Director of Corporate Trustee (also complete sections 2 and 3)

Additional Individual Trustee (also complete section 3)

Officer of Association (also complete section 2)

Officer of Registered cooperative (also complete section 2)

Officer of Government body (also complete section 2)

Are you or your partner a Macquarie staff member? No Yes Please provide employee ID

Title

Mr Mrs Ms Dr Other

First name(s)

Last name

Other name known by

Address details



Suburb

State Postcode

Country



Suburb

State Postcode

Country



Email







Collection of TFNs is authorised and their use and disclosure is strictly regulated by the tax laws and the Privacy Act. Quotation is not compulsory, but tax may be withheld from your income if you do not provide us with your TFN or claim an exemption.

TFN


Expiry date

As an alternative to quoting your TFN, you may wish to quote your ABN in section 1d, 2 or 3 as appropriate. To quote your ABN you must be conducting your Account in the course of a business.


1d. Sole trader details

If you are a sole trader, please complete the following questions.

Full business name (if any)

ABN (if any)

Principal place of business (if applicable) (this cannot be a PO Box)


Suburb

State Postcode

Country

Nature of business activity



2Non-individual applicants

Investor type

Australian Company

Public

Private/Proprietary

Foreign Company

Public

Private/Proprietary

Other

Partnership

Association

Registered cooperative

Government body

Please cross the appropriate box: Corporate Corporate Trustee (also complete Section 3)

Company/Partnership/Association/Registered cooperative/Government body name

Collection of TFNs is authorised and its use and disclosure is strictly regulated by the tax laws and Privacy Act. Quotation is not compulsory but tax may be withheld from your income if you do not provide us with your tax file number or claim an exemption. For more information, please contact the Australian Taxation Office.

ACN (if applicable) ABN (if applicable)

TFN (if applicable) Expiry date

As an alternative to quoting your TFN, you may wish to quote your ABN. To quote your ABN you must be conducting your account in the course of a business.

Registered address (this cannot be a PO Box)


Suburb

State Postcode

Country

Principal place of business (if applicable) (this cannot be a PO Box)


Suburb

State Postcode

Country

If mailing address is the same as registered address, cross here

Mailing address (please complete if different to registered address)


Suburb

State Postcode

Country



Please proceed to fill in the applicable FSC/FPA Identification Form located on the website macquarie.com.au/idforms. Then continue with the relevant sections of this Application form as per the checklist.


3Trust applicants (if you are not a trust, please proceed to section 4)

4 Authorised Representative

Trust type

Registered managed investment scheme

Regulated trust (eg SMSF)

Government superannuation fund

Other trust type (eg family, unit, charitable, estate)

Name of trust

Collection of TFNs is authorised and their use and disclosure is strictly regulated by the tax laws and the Privacy Act. Quotation is not compulsory, but tax may be withheld from your TFN or claim an exemption. For more information, please contact the Australian Taxation Office.

Trust/Super ABN (if applicable)

Trust/Super TFN (if applicable)



Please proceed to fill in the FSC/FPA Identification Forms for Australian Regulated Trusts & Trustees or the FSC/FPA Identification Form for Unregulated Trusts & Trustees (as applicable) located on the website macquarie.com.au/idforms. Then continue with the relevant sections of this Application form as per the checklist.

Would you like to appoint an Authorised Representative for your Money Market Service account who has authority to act on your account in all matters as if they were you (excluding any instructions to alter your personal information)?

Yes No If yes, please complete details below. If no, proceed to section 5.

Title

Mr Mrs Ms Dr Other

First name(s)

Last name

Other name known by



Suburb

State Postcode

Country

Mailing address (please complete if different to registered address)


Suburb

State Postcode

Country




Email




I (the ‘Authorised Representative’) agree that I have read and understood the Money Market Service Terms and Conditions and agree to comply with them.

Signature of Authorised Representative

Do you wish to give your Authorised Representative access to online services for this account?

Yes No If yes, does your Authorised Representative have a Macquarie Access Code (MAC)?

Yes No If yes, please provide their MAC here

Note: Authorised representatives also need to provide proof of identification.


5Initial investment details

Investment amount

$

Investment amount

At call Term Fixed Interest

(If you have elected to invest in a term deposit, please note that this product is offered by Macquarie Bank Limited. The Terms and Conditions of the Macquarie Bank Term Deposit will apply to the term deposit. See the Terms and Conditions in the back of this application booklet for more information. Please specify the investment term for the Term Deposit below.)

Investment term months (maximum of 24 months applies for Term Deposits only)

Investment institution (Macquarie Bank)

6Initial investment payment details

How will your initial investment be funded?

a) Cheque attached – Please ensure your cheque is made payable to “Macquarie Equities Limited Trust Account – [Insert your full account name]”

b) Direct debit from a Nominated Bank Account – Please provide details of your existing Macquarie Cash Management Account (CMA) or other account below.

Nominated Bank Account details and Direct Debit RequestBy completing this section, you authorise Macquarie Equities Limited (User ID 028457) to directly debit funds from your Nominated Bank Account specified below, for all amounts payable by you pursuant to the Macquarie Money Market Service terms and conditions, if applicable through the Bulk Electronic Clearing System (BECS), on the terms in the DDR Service Agreement set out in clause 26 of the Macquarie Money Market Service terms and conditions.

Name of financial institution

Branch address


Suburb

State Postcode

Country

Branch number – BSB Account number

Account name (must be identical to the account name for your Macquarie Money Market Service Account as set out in section 1 or 2 as applicable)

You must attach a copy of a recent statement or deposit slip for a non Macquarie bank account.

Note: Direct debiting is not available on the full range of accounts. If in doubt, please ask the financial institution with which you hold

your account.


7 Ongoing investment payment details – Nominated Bank Account details and Direct Debit Request

By completing this section, you authorise Macquarie Equities Limited (User ID 028457) to directly debit funds from your Nominated Bank Account specified below, for all amounts payable by you pursuant to the Macquarie Money Market Service terms and conditions, if applicable through the Bulk Electronic Clearing System (BECS), on the terms in the DDR Service Agreement set out in clause 26 of the Macquarie Money Market Service terms and conditions.

You also authorise MEL to credit any amounts payable to you pursuant to the Macquarie Money Market Service terms and conditions to the account specified below.

You must nominate one of the following accounts to be a Nominated Bank Account for the purposes of your Macquarie Money Market Service:

a) New Macquarie Cash Management Account (complete section 7a below); OR

b) Existing account detailed in section 6b.

The account you elect in this section 7 will be your default Nominated Bank Account to which you authorise MEL to debit and credit amounts payable by and to you pursuant to the Macquarie Money Market Service terms and conditions unless you notify us otherwise in writing.

7a. New Macquarie Cash Management Account (Macquarie CMA)

Please cross this box to confirm that you wish to apply for a Macquarie CMA with Macquarie Bank Limited and have received and agree to the terms in the Macquarie CMA Product Information Statement which may be found in the back of this Application Booklet.

If you would like a paper copy of the Macquarie CMA Product Information Statement please contact us on 1800 789 789.

What is the purpose of this investment? (Required under the AML/CTF Act 2006)

Savings Retirement

Growth Business account

Other, please specify below Income

Your Macquarie CMA income will be reinvested in your Macquarie CMA.

Cheque Book – If you would like a cheque book with your Macquarie CMA, please contact us on 1800 789 789.

Account operating instruction for Macquarie CMA:

Joint accounts – if you do not cross a box we will assume ‘Either to sign’.

Either to sign Both to sign together

Company, Incorporated Association or Body accounts – Either/any to sign (e.g. two directors or a director and secretary), or as required by the constitution or rules of the company or body (under seal witnessed by two officers), or signed by one director for a single director company. If you do not cross a box or specify instructions on the separate Third Party Authority Form, all future written instructions must be executed in the same way as this application.

Anyone of us to sign All of us to sign Other

If you choose ‘Other’ and/or you would like to appoint an authorised signatory for your Macquarie CMA, please complete the Third Party Authority Form in the back of the Macquarie CMA Product Information Statement.


8Declaration

We recommend that before signing this application you read and understand:

• the Money Market Service terms and conditions upon which the Money Market Service is provided;

• where you have elected to open a new Macquarie CMA in section 7a of the Application Form, the Macquarie CMA Product Information Statement; and

• where you have elected to open a Macquarie Bank Term Deposit, the Macquarie Bank Term Deposit terms and conditions (enclosed in this Application Booklet).

Contact us on 1800 789 789 if there is any aspect of these documents that you do not understand.

By signing this application, you declare that you are agreeing to the terms of:

• the Money Market Service (as set out in this Application Booklet), including the Privacy Statement as set out in Clause 16 of the Money Market Service Terms and Conditions which describes the handling of your personal information, including direct marketing (noting that you can change your marketing preferences by telephoning us on 1800 806 310 or visiting macquarie.com.au/optout-bfs; and

• the Macquarie CMA Product Information Statement and Macquarie Bank Term Deposit (as applicable) as enclosed in this Application Booklet.

I/We acknowledge that if I/we do not provide Macquarie Equities Limited (MEL) or Macquarie Bank Limited (MBL) with information as requested, or there is a delay in providing MEL or MBL with this information, MEL and/or MBL may not be able to open your accounts (as applicable). MEL and MBL are not liable for any loss incurred by me/us as a result of any action of MEL and/or MBL which either delays an account being opened or results in an application being declined, when these actions are necessary for MEL and/or MBL to comply with their obligations under AML/CTF Laws (as defined in clause 24 of the Macquarie Money Market Service Terms and Conditions). MEL and/or MBL may require further information from me/us from time to time in order to meet its obligations under AML/CTF Laws and I/we agree to provide MEL and MBL with whatever additional information is reasonably required in order for MEL and MBL to meet their obligations under AML/CTF Laws.

Account holder 1 signature Account holder 2 signature

Print name Print name

Date Date

If a company officer or trustee, specify your corporate title If a company officer or trustee, specify your corporate title

Director Secretary Sole Director or Sole Secretary Director Secretary Sole Director or Sole Secretary

Other Other

Account holder 3 signature

Print name

Date

If a company officer or trustee, specify your corporate title

Director Secretary Sole Director or Sole Secretary

Other

Documentation checklist

Have you attached:

A copy of your bank statement or a deposit slip for your Nominated Bank Account

A cheque to the value of your initial investment if you are sending your funds by this payment method

Proof of identification documents as required in the ‘Application Form checklist’ on page 11.


9Adviser use only

Adviser name

Adviser code % or $min Dealer code

Split brokerage required: Adviser code %

IDENTIFICATION FORM INDIVIDUALS & SOLE TRADERS

22 October 2013 DRAFT – Refer to FSC/FPA DRAFT GUIDANCE - FATCA CUSTOMER IDENTIFICATION OBLIGATIONS for conditions of use 1/2

GUIDE TO COMPLETING THIS FORM

o Complete one form for each individual. Complete all applicable sections of this form in BLOCK LETTERS. o Contact your licensee if you have any queries.

SECTION 1: PERSONAL DETAILS

Surname Date of Birth dd/mm/yyyy

Full Given Name(s)

Residential Address (PO Box is NOT acceptable)

Street

Suburb State Postcode Country

COMPLETE THIS PART IF INDIVIDUAL IS A SOLE TRADER

Full Business Name (if any) ABN (if any)

Principal Place of Business (if any) (PO Box is NOT acceptable)

Street

Suburb State Postcode Country

SECTION 2: FATCA INFORMATION (US FOREIGN ACCOUNT TAX COMPLIANCE ACT)

Is the individual a US citizen or resident of the US for tax purposes? Yes If yes, provide the individual’s US Taxpayer Identification Number (TIN): No

SECTION 3: VERIFICATION PROCEDURE

Verify the individual’s full name; and EITHER their date of birth or residential address. o Complete Part I (or if the individual does not own a document from Part I, then complete either Part II or III.) o Contact your licensee if the individual is unable to provide the required documents.

PART I – ACCEPTABLE PRIMARY PHOTOGRAPHIC ID DOCUMENTS

Tick Select ONE valid option from this section only

Australian State / Territory driver’s licence containing a photograph of the person

Australian passport (a passport that has expired within the preceding 2 years is acceptable)

Card issued under a State or Territory for the purpose of proving a person’s age containing a photograph of the person

Foreign passport or similar travel document containing a photograph and the signature of the person*

IDENTIFICATION FORM INDIVIDUALS & SOLE TRADERS

22 October 2013 DRAFT – Refer to FSC/FPA DRAFT GUIDANCE - FATCA CUSTOMER IDENTIFICATION OBLIGATIONS for conditions of use

2/2

PART II – ACCEPTABLE SECONDARY ID DOCUMENTS – should only be completed if the individual does not own a document from Part I

Tick Select ONE valid option from this section

Australian birth certificate

Australian citizenship certificate

Pension card issued by Department of Human Services (previously known as Centrelink)

Tick AND ONE valid option from this section

A document issued by the Commonwealth or a State or Territory within the preceding 12 months that records the provision of financial benefits to the individual and which contains the individual’s name and residential address

A document issued by the Australian Taxation Office within the preceding 12 months that records a debt payable by the individual to the Commonwealth (or by the Commonwealth to the individual), which contains the individual’s name and residential address. Block out the TFN before scanning, copying or storing this document.

A document issued by a local government body or utilities provider within the preceding 3 months which records the provision of services to that address or to that person (the document must contain the individual’s name and residential address)

If under the age of 18, a notice that: was issued to the individual by a school principal within the preceding 3 months; and contains the name and residential address; and records the period of time that the individual attended that school

PART III – ACCEPTABLE FOREIGN PHOTOGRAPHIC ID DOCUMENTS – should only be completed if the individual does not own a document from Part I Tick Select ONE valid option from this section only

Foreign driver's licence that contains a photograph of the person in whose name it issued and the individual’s date of birth*

National ID card issued by a foreign government containing a photograph and a signature of the person in whose name the card was issued*

*Documents that are written in a language that is not English must be accompanied by an English translation prepared by an accredited translator. IMPORTANT NOTE:

Either attach a legible certified copy of the ID documentation used to verify the individual (and any required translation) OR Alternatively, if agreed between your licensee and the product issuer, complete the Record of Verification Procedure section below and

DO NOT attach copies of the ID Documents

SECTION 4: RECORD OF VERIFICATION PROCEDURE

ID DOCUMENT DETAILS Document 1 Document 2 (if required)

Verified From Original Certified Copy Original Certified Copy

Document Issuer

Issue Date

Expiry Date

Document Number

Accredited English Translation N/A Sighted N/A Sighted

By completing and signing this Record of Verification Procedure I declare that: • an identity verification procedure has been completed in accordance with the AML/CTF Rules, in the capacity of an AFSL holder or their authorised

representative and • the FATCA information provided is reasonable considering the documentation provided.

AFS Licensee Name AFSL No.

Representative/ Employee Name Phone No.

Signature Date Verification Completed

A

Product Information StatementMacquarie Cash Management Account

Macquarie Bank Limited ABN 46 008 583 542 Australian Financial Services Licence No. 237502 DateD: 22 May 2013

B

Contents

01 Features at a glance

02 Key features

04 How do I start?

06 Adding to your account

08 How do I withdraw?

11 How do I access information on my account?

13 Our offices

The Macquarie Cash Management Account (Macquarie CMA) is a deposit account provided by Macquarie Bank Limited (Macquarie). As a licensed Australian bank, Macquarie is subject to regulation by the Australian Prudential Regulation Authority. Macquarie also holds Australian Financial Services Licence No. 237502 and is subject to regulation by the Australian Securities and Investments Commission.

IMPORTANT INFORMATION

This Product Information Statement describes the features of the Macquarie CMA and, together with the separate Further information booklet available on our website macquarie.com.au/cmainfo, contains the terms and conditions which apply to its operation. Please read the Product Information Statement and the Further information booklet carefully before deciding whether to open a Macquarie CMA.

The information in this Product Information Statement is current as at 22 May 2013 and is subject to change. You can find updated information on our website at macquarie.com.au/personal or by contacting us on 1800 806 310. A paper copy of any updated information is available free on request.

Terms

In this Product Information Statement:We, our, us, Macquarie means Macquarie Bank Limited, AFSL 237502.

You, your means you the account holder(s). Where the context permits it also includes any person carrying out any account transaction on your behalf, for example a person you have given third party access to.

Financial Services Professional means an adviser, accountant, administrator, stockbroker, risk specialist, mortgage broker, intermediary or any person that acts on behalf of a Company.

Business Day means any day on which banks are able to settle through the Reserve Bank of Australia. This does not include Saturday, Sunday and any national Australian and NSW-based holidays.

1

Features at a glance

Minimum ongoing balance $5,000

Minimum additional cheque deposits/withdrawals

$500

Interest Calculated daily, paid monthly

Government Guarantee The Macquarie CMA is a retail deposit with Macquarie and is therefore eligible for coverage under the Australian Government’s Financial Claims Scheme (Government Guarantee). For current details on the Government Guarantee including applicable caps, please see macquarie.com.au/cmainfo

Deposits • Funds transfers

• Direct debits1

• Bpay® (Biller code 667022)

• Cheque (minimum $500) – you can deposit cheques at Macquarie offices or any branch of the National Australia Bank (NAB) by using your personalised Macquarie CMA deposit book

Refer to Adding to your account on page 6 for further details.

Withdrawals • Funds transfers

• Bpay®

• Direct debits

• Personalised cheque book

• Bank cheques2

• Tax payments

• Overseas transfers and bank drafts

Refer to How do I withdraw? on page 8 for further details.

How do I access my account? Manage your cash 24 hours a day, seven days a week3

• Internet access via Macquarie Online

• Phone banking through Macquarie PhoneLink

• Fax and electronic instruction service

Refer to How do I withdraw? on page 8 for further details.

Personalised service • Specialist consultants renowned for their efficient, friendly service and product knowledge. Call us on 1800 806 310.

Greater visibility to help you act quickly on investment opportunities as they arise

• Your Financial Services Professional can view your account online and help you act quickly on investment opportunities as they arise

• Give your accountant viewing access to your account so they can download your current and historical transaction reports themselves – saving you the time of having to provide them month by month.

The perfect companion for your self managed super fund (SMSF)

• All fund transactions appear on one consolidated statement, simplifying super fund accounting, tax returns, end of year auditing and long-term record keeping

• Download current and historical statements online, up to 10 years worth of historical statements are available online.

1 Establish a direct debit into your Macquarie CMA via the Direct Debit Request form included in the back of this document.2 You can request a cheque to be drawn on your behalf via the Withdrawal form or request a new personalised cheque book via the Cheque and Deposit Book Request form.3 While your instructions can be given at any time, transactions will not be effected outside of banking hours.® Registered to Bpay Pty Ltd ABN 69 079 137 518.

2

The centre of your investment portfolio

The one account allows you to move funds in and out within an environment of complete visibility and control.

The Macquarie CMA offers an efficient way to facilitate your investments. With an extensive range of features and services, the Macquarie CMA may be the ideal cash account for consolidating your cash and establishing an efficient cashflow management system.

Key features

Online flexibility and controlOur online service, Macquarie Online, helps you stay in control of your cashflow 24 hours a day, seven days a week.

• View your available balance and statements online, including your annual tax summary.

• Transfer funds easily to any nominated Australian account.

• PayAnyone up to $5,000 per day.4

• Setup recurring payments.

4 If additional PayAnyone limits become available, we will notify you and provide an option for you to change your limit.5 If registered for the International Money Transfer (IMT) service using OzForex. The IMT service is provided by OzForex Pty Ltd ABN 65 092 375 703. MBL, through a

subsidiary, holds a minority stake in OzForex.6 You can update your address and contact numbers online if registered for Macquarie Online.® Registered to Bpay Pty Ltd ABN 69 079 137 518.

• Pay your bills using Bpay®.

• Transfer money overseas.5

• Make tax payments directly to the Australian Taxation Office (ATO).

• Download an audit report.

• Update your account details.6

• Access current interest rates, product information and administration forms.

Managed funds and

other investments

Investment loans

Cash Management

Account

Transaction accounts

Term deposits

Direct shares

Self managed super fund

Property

Settlement accountReceive dividends

Income/distributionsRegular contributions

Interest payments

Income/distributionsRegular contributions

Tax payments

Everyday livingTransfer funds to other accounts

Purchase propertyPay your home loan

Receive rental income

Invest cashReceive interest

3

Efficient cashflow management strategiesBy consolidating your cash into one central cashflow management system you may reduce account fees incurred elsewhere. As well as this, you and your Financial Services Professional can have a comprehensive view of your cash position, making it simpler for you to take up investment opportunities as they arise. All while earning a competitive rate of interest on your cash.

The Macquarie CMA provides services and reporting tools to make it simple for you to monitor and manage your cashflow.

The perfect companion for your SMSFThe Macquarie CMA is an ideal cashflow management system for your SMSF, providing the flexibility and control to help you manage your fund’s transactions. The Macquarie CMA offers easy access to account and cashflow information so that you can keep track of all payments to and from the account, including distributions, pension payments, expenses, member contributions, asset purchases and sales. Detailed online reporting and the ability to download current and historical statements also simplifies the extensive administration responsibilities that come with having an SMSF.

Dividend reinvestmentYou can arrange for dividends from shares, warrants, interest payments or distributions from other investments and accounts to be credited directly into your Macquarie CMA.

To arrange for your dividends/interest to be invested into your account, simply complete the Change of Details Dividend and Interest Direct Credit Payments form in the forms booklet located in the back of this Product Information Statement and send it to the institution or registry with whom the investment is held.

Competitive interest rateWith the Macquarie CMA at the heart of your wealth creation and cashflow management strategies, you will also benefit from a competitive interest rate. The interest rate you earn is variable and subject to change without notice.

For the current interest rate, please visit macquarie.com.au/personal or call 1800 806 310.

4

How do I start?

Opening an accountTo open a Macquarie CMA:

1. Read this Product Information Statement and the Further information booklet thoroughly.

2. If you have not already satisfied our requirements under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, each account signatory will also need to provide identification. Refer to the Application guide for details on how to complete the identification requirements.

3. Complete and sign the application form that accompanies this document or alternatively you can use the online application process. Some applicants may be required to provide additional documentation.

4. Make your initial deposit by either:

– mailing or bringing your cheque and application form into one of our offices, or

– direct debit, by ticking the direct debit box on the application form and completing the Direct Debit Request form, or

– funds transfer through phone or internet banking, by ticking the appropriate box on the application form.

Please make cheques payable to the full account name.

Joint accountsIf you open an account with more than one person, you are all liable jointly and individually for transaction fees and costs on the account. As a result, all joint account holders must sign the application form to set up the account operating instructions (refer to the signing instructions section of the application form). For example, ‘any one of us to sign’ or ‘all of us to sign’. Please note: if you choose ‘all of us to sign’, some online withdrawal methods may not be available as they can only be operated by one or two persons. Should you wish to alter the account operating instructions in the future, you will need to notify us in writing, in accordance with the signing instructions of your account.

We may accept a cheque into a joint account which is payable to any one or more of the joint account holders. If there is a dispute about the signing authority, we reserve the right to permit operation on the account only when all joint account holders have signed the instruction. When an account is held in joint names and one account holder dies, the credit balance in the account will be treated as owing to the surviving account holders.

You and your Financial Services Professional work closely togetherIf you have a Financial Services Professional, they may be critical to the ongoing management of your account. Your authorised Financial Services Professionals can obtain account information and we will attempt to contact them in the first instance if any follow up is required on your account. Your Financial Services Professional is also able to assist you with any queries you may have regarding your Macquarie CMA.

You choose and appoint your Financial Services Professional. Unless your Financial Services Professional is an authorised representative of a Macquarie Group company, no Macquarie Group company is responsible for the acts or omissions of your Financial Services Professional. You can choose whether your Financial Services Professional can operate your account, or can only view account details. See page 5 for more information.

Advisory firm remunerationIf a registered broking firm or licensed financial advisory firm introduced you to the Macquarie CMA and their stamp or details appear on the application form, an amount of commission based on your average account balance each month as set out in the table below will generally be paid.

Broking and advisory firm remuneration

Percentage (%) per annum

ABN provided and GST registered

0.275% pa (GST inclusive)

ABN provided, not registered for GST

0.25% pa

ABN not provided PAYG withholding amount will be deducted

When notified, we will transfer the payment of this commission to any new registered broking firm or licensed financial advisory firm that provides you with advice.

We pay commission to Advisers and brokers at no extra cost to you. We can also draw on our own resources to provide product and marketing support in the form of commission to licensed broking and financial advisory firms.

We will not make these payments in certain circumstances, including where there is a legal impediment or prohibition on us making such payments – see for instance, the comments on the FOFA Reforms below.

Future of Financial Advice (FOFA) ReformsA suite of reforms referred to as the FOFA Reforms commenced on 1 July 2012 with transitional effect which result in a ban on commissions and other similar payments from either 1 July 2013 or 1 July 2014 depending on the particular circumstances. As a result, we will not make payments where we are prohibited from doing so under the FOFA Reforms.

5

Authorising a third party to access your accountYou can appoint another person or company to have access to and operate your account by completing the Third Party Authority form located in the forms booklet at the back of this Product Information Statement.

On that form, you may nominate the type of access rights the third party will have to your accounts. This may include:

• Account enquiry – enables a third party to enquire on your account by phone, electronically or online

• Fee authority – enables you to authorise a third party such as your Financial Services Professional, should you have one, to withdraw their fees from your account using online, electronic and telephone withdrawal services

• Government/Tax payment authority – enables you to authorise a third party to make online and electronic payments on your behalf to certain government departments, for example the ATO

• General withdrawal – enables a third party to make withdrawals from your account for any purpose – investment or otherwise – using online, electronic and telephone withdrawal services

• Authorised signatory – enables a third party to have general withdrawal authority access. In addition it enables them to close your account or make changes to your account such as changing your contact details. This excludes changes to signing instructions on your account and the appointment of other authorised signatories.

Refer to the Authorising a third party to access your account section of the Terms and conditions found in the Further information booklet for more details.

What interest do I receive?For the current interest rate, please visit macquarie.com.au/personal or call 1800 806 310. Your interest is calculated daily and paid monthly. Refer to the Interest section of the Terms and conditions found in the Further information booklet for more details.

Taxation7

Tax File Number (TFN), Australian Business Number (ABN), or exemption reason

Our collection of your TFN is authorised, and its use and disclosure is strictly regulated, by tax laws and the Privacy Act.

You may quote your entity’s ABN as an alternative to its TFN if you are opening the account for purposes related to that entity’s business. An Australian Company Number (ACN) cannot be quoted in lieu of a TFN/ABN. If only an ACN is provided tax may be withheld at the top marginal rate (plus Medicare Levy).

You do not have to provide us with your TFN, and declining to do so is not an offence. If you do not quote your TFN (including all TFNs for joint accounts), ABN, or claim an exemption, tax may be withheld from the interest paid to you at the highest marginal tax rate (plus Medicare Levy).

For more information about the use of tax file numbers, please contact the ATO.

Non-residents

If you are a non-resident of Australia for taxation purposes, you must provide us with your overseas residential address.

Tax may be withheld on the interest you earn on your account if you are a non-resident of Australia.

Changes to lawsChanges to laws or their interpretations, including taxation and corporate regulatory laws, could have an impact on the interest paid to account holders.

Incomplete applicationsIn cases where your application is incomplete or you have not provided all necessary information in order for us to fulfil our due diligence obligations under applicable anti-money laundering laws, rules and subordinate instruments and/or Macquarie internal policies and procedures, we will be unable to complete the application and will open your account only when we receive all required information. We will return your deposit to you along with all interest earned on it while it is held by us, within 30 days of receiving it, should we be unable to open your account within that time (including for any of the above reasons).

7 Macquarie Bank Limited does not give, nor purport to give, any taxation advice. The application of taxation laws depends on a client’s individual circumstances. Accordingly, you should seek independent professional advice on taxation implications before making any decisions about a financial product or class of products.

6

The Macquarie CMA offers you a number of convenient ways to add to your account.

Making deposits helps you to:

• consolidate your investment cash in the one account

• build up investment cash in a disciplined way

• ensure there are sufficient funds available to take advantage of new investment opportunities as they arise, and

• maintain minimum balances while supporting your ongoing investment strategy.

You cannot deposit cash (notes and coins) or third party cheques into your account.

Direct debitsUse this facility to easily set up automatic regular deposits into your Macquarie CMA from external accounts in the same name.

The minimum direct debit amount is $250 per transaction which can be set up for a specific period or continued indefinitely and you have a choice of frequency – once-off, weekly, monthly, quarterly, half-yearly or yearly.

To establish a direct debit for deposits into your Macquarie CMA from an account with another financial institution simply complete the Direct Debit Request form in the forms booklet located at the back of this Product Information Statement, ensuring it is signed by the account holders in accordance with the account signing instructions on that other account (not third party authorised signatories). Please also provide an account statement (that is less than six months old) for the account you are debiting.

Depositing your salary, dividends and other incomeHave your salary, dividends and other income such as pensions, unit trust distributions and interest paid directly into your Macquarie CMA. There is no minimum amount for these electronic deposits, after you have opened your Macquarie CMA.

• Salary – complete an Income Redirection form and arrange for this to be processed through your employer’s payroll department.

• Dividends and interest – complete a Change of Details Dividend and Interest Direct Credit Payments form and send it to the institution or registry where the investment is held.

These forms are available in the forms booklet at the back of this Product Information Statement.

Bpay®

To send funds to your Macquarie CMA via Bpay®, contact the financial institution holding the funds, which must be a Bpay® payer. Using their phone or online banking services, enter the following numbers:

• Biller code – 667022• Reference number – your Macquarie CMA number

Please note: Bpay® deposits take two Business Days to clear.

Funds transferYou can transfer funds into your Macquarie CMA from most other financial institutions by requesting them to transfer funds on your behalf and giving them your account details (BSB and account number). Our BSB is as follows:

Branch (BSB) number: 182-512

® Registered to Bpay Pty Ltd ABN 69 079 137 518.

Adding to your account

7

Deposits from overseas banksOnline

The online International Money Transfer (IMT) Service allows you to initiate international transfers to and from your Macquarie CMA in foreign currency. IMT has no hidden fees and gives you full transparency of the foreign exchange rate at the time you make the transaction. Register for this service online at internationalmoneytransfers.com.au or by clicking the International Money Transfers link in Macquarie Online. Alternatively, call IMT on 1300 797 494 (Australia) or +61 2 8667 8082 (international).

The IMT service is provided by OzForex Pty Ltd ABN 65 092 375 703. MBL, through a subsidiary, holds a minority stake in OzForex.

Transfers organised via an overseas bank

You can transmit funds to your Macquarie CMA from overseas by telegraphic transfer, in Australian dollars (AUD), or by bank draft in Australian dollars drawn on an Australian bank. When sending in telegraphic transfers please instruct the sending bank to quote our SWIFT code:

MACQAU2S XXX

Overseas bank cheques

You can deposit a cheque drawn on an overseas bank provided you send it directly to us. Cheque clearance can take in excess of eight weeks and you will incur a fee from Macquarie (refer to the Fees and charges section of the Further information booklet for applicable fees) and possibly additional fees from overseas banks. You will need to endorse the cheque to ‘Macquarie Bank Limited’ and complete a Foreign Currency Cheque Deposit form prior to the cheque being accepted. This form is available on Macquarie Online or by calling us.

If you deposit foreign currency you will be exposed to currency fluctuations. Macquarie has no control over the rate you will receive.

Processing depositsDeposits lodged at Macquarie by 4.00pm (Sydney time) on a Business Day usually start earning interest that day. Deposits received after 4.00pm will be processed on the following Business Day.

Cheque depositsUpon opening your account, you will automatically receive a free personalised deposit book. You can deposit cheques for $500 or more at our offices or through the mail using a personalised deposit slip. All cheques must be made payable to the account holder (or one of the account holders if there is more than one).

Cheque deposits, including bank cheques, take three Business Days to clear.

Third party chequesThird party cheques are not accepted.

What is a third party cheque?

A third party cheque is a cheque that is made payable to a person or entity other than the Macquarie CMA account holder. Macquarie cannot accept such cheques. Only cheques made payable to the account name can be accepted.

For example, if a cheque is made payable to a company and the Macquarie CMA is in the name of an individual director, we cannot accept the cheque. It must be in the name of the individual director.

Special clearance of cheques

Special clearance may be requested if you require the funds to be cleared prior to the standard three Business Days.

If you require special clearance your request must accompany your cheque deposit and be sent directly to Macquarie (refer to the Fees and charges section of the Further information booklet for applicable fees).

Deposits through National Australia Bank (NAB)We have arranged for NAB to accept cheque deposits on your behalf provided you use your personalised Macquarie CMA deposit book. Cheques must be for a minimum of $500 and in Australian dollars (AUD). We usually credit your account the same Business Day, provided you lodge your deposit at the counter, and interest will accrue from that day.

NAB does not accept third party cheques on our behalf. Cheques take three Business Days to clear.

Please do not use the Express Cheque Deposit facility at NAB branches.

8

The Macquarie CMA offers a range of options which enable you to access your funds quickly and easily. We will issue you a Macquarie Access Code (MAC) for our online and phone services, unless you already have one. Please ensure that you maintain a minimum account balance of $5,000.

Macquarie OnlineOur online service, Macquarie Online, allows you to:

• transfer funds to any Australian bank account

• use Bpay® to make payments. Bpay® limits can vary between financial institutions, you should check the limits before making a payment

• set up once-off or recurring payments and maintain scheduled payments.

All this can be done 24 hours a day, seven days a week. Simply visit macquarie.com.au and log in using your MAC and password. While your instructions can be given at any time, transactions will not be effected outside of cut off times.

Refer to the Macquarie Online section of the Further information booklet.

Macquarie PhoneLink 133 275Macquarie PhoneLink offers quick and easy access to your account over the phone. It allows you to pay your bills with Bpay® and transfer funds to nominated account(s). Like Macquarie Online, Macquarie PhoneLink is available 24 hours a day, seven days a week.

Simply enter your MAC and PIN and Macquarie PhoneLink guides you through the selections with simple instructions. While your instructions can be given at any time, transactions will not be effected outside of cut off times.

PayAnyonePayAnyone is an optional facility that enables you to transfer funds to any Australian bank account up to a maximum of $5,000 per Business Day by entering the account number and BSB online. We will confirm the transaction to you by email if we have your email address. Should additional limits become available, you will be given the option to opt-in and change your limit. Refer to the PayAnyone section of the Further information booklet.

Macquarie Online and Macquarie PhoneLink securityYou will be prompted to change your password to a selection of your choice when you first use the service.

You should keep your login details secret and secure against unauthorised use. You will be liable for unauthorised transactions if you, for example:

• voluntarily disclose your MAC, password or PIN to anyone (including a family member or friend)

• keep a record of your MAC and password together.

You should always keep your computer up to date with anti-virus and anti-spyware software, set up with firewall protection and scanned regularly. Avoid using shared computers (eg at an internet cafe) as you may be unable to check whether the latest anti-virus software has been installed. We recommend that you only use Macquarie Online if you are sure your virus protection is up to date.

If you find an unauthorised transaction, you suspect that someone has gained access to your codes or is using your codes without your authorisation, or your codes get lost or stolen, contact us immediately on 1800 806 310.

Recurring paymentsYou can set up a funds transfer to make the same payment each week, fortnight, month or quarter, such as a mortgage repayment. Payments can be easily set up and maintained online through Macquarie Online. Alternatively, please contact us and we will send you a Recurring Payment Authority form.

This form can also be downloaded from Macquarie Online. Refer to the Recurring Payments section of the Further information booklet for more information.

Direct debit requestsYou can authorise a person or organisation to withdraw from your account to arrange payment for expenses such as credit cards and other bills. To arrange this you will need to contact the receiving institution.

Lodgement timesMacquarie has lodgement times which refer to the latest time that a valid transaction request can be lodged to allow for same day processing. Any requests that are unclear, incomplete or require additional information may be unable to be processed the same day. Refer to the Lodgement times section of the Terms and conditions found in the Further information booklet for more details.

® Registered to Bpay Pty Ltd ABN 69 079 137 518.

How do I withdraw?

9

Using your cheque bookYou can order a cheque book by indicating ‘yes’ in the appropriate part of the application form. Your cheque book allows access to your account. You must keep it in a safe place.

You must wait three days before drawing against a cheque you have deposited. If you require the funds to be cleared prior to the standard three Business Days you may do so by requesting a special clearance on the day of deposit. Refer to Fees and charges section of the Further information booklet.

If a cheque is crossed (ie it has two parallel lines across it) then it must be paid into a bank account rather than being cashed. If the words ‘not negotiable’ are added between the parallel lines then a person who obtains the cheque has no better rights to the cheque than the person giving it. This means, for example, that if the cheque is lost or stolen and is then passed on to a tradesperson as payment for service, the tradesperson is liable to refund the amount of the cheque to the true owner.

If you write ‘account payee only’ on a crossed cheque then the cheque should only be paid to the person named as payee on the cheque.

Your cheques will be pre-printed with the words ‘or bearer’ at the end of the line on which you write the payee. If a cheque has not been crossed and you cross out the words ‘or bearer’, the cheque can only be paid to the payee or as they direct.

If you want to stop payment of a cheque then you may request this in writing or by calling 1800 806 310. Refer to the Fees and charges section of the Further information booklet for applicable fees.

When you fill out a cheque you need to do so carefully so it can’t be subsequently altered easily by someone else. You should:

• write the cheque in ink that can’t be erased

• write the amount to be paid in words and figures

• not leave gaps between words and figures

• begin the words as close as possible to the left hand side and the figures as close as possible to the dollar sign

• never sign a cheque before you have completed it, and

• sign your name next to any alterations.

If your cheque book is lost or stolen, you must tell us immediately by calling 1800 806 310. If you do not, you may be liable for cheques paid by us in good faith. Refer to the Cheque book section of the Further information booklet for more information.

Bank chequesTo organise a bank cheque from your account payable to another party you will need to complete the appropriate form, which is available online or from us.

If you request a bank cheque to be collected from a Macquarie reception, it will be ready for collection in the reception indicated after 2.30pm (Sydney time) on the day of your request provided we receive your properly completed form before 12 noon (Sydney time). Otherwise it will be ready by 11.30am (Sydney time) the next Business Day. Refer to Fees and charges section of the Further information booklet for applicable fees.

Fax and electronic instruction serviceYou can send your signed forms and written instructions, including withdrawal requests, to Macquarie by fax or email attachment8, subject to the Instructions section of the Further information booklet. All requests must contain an original signature – digitally applied signatures will not be accepted. If we receive a withdrawal request after the lodgement time or on a non-Business Day for us, we treat it as having been received the next Business Day. For lodgement times please refer to the Lodgement times section of the Further information booklet. When your withdrawal request is processed, your funds should be available the next Business Day.

Please be careful! There is a risk that fraudulent fax or electronic withdrawal requests can be made by someone who has access to your account number and a copy of your signature. From time to time we may verify these requests with you and reserve the right to change or remove this service. Refer to the Instructions section of the Further information booklet for more information.

8 Emails must be sent to [email protected] or, if you are a Financial Services Professional, to [email protected]

10

Overseas transfers and overseas bank draftsOnline

The online International Money Transfer (IMT) service allows you to initiate international transfers to and from your Macquarie CMA in foreign currency. IMT has no hidden fees and gives you full transparency of the foreign exchange rate at the time you make the transaction. Register for this service online at internationalmoneytransfers.com.au or by clicking the International Money Transfers link in Macquarie Online. Alternatively call IMT on 1300 797 494 (Australia) or +61 2 8667 8082 (international).

The IMT service is provided by OzForex Pty Ltd ABN 65 092 375 703. MBL, through a subsidiary, holds a minority stake in OzForex.

Written requests

Telegraphic transfers and overseas bank drafts may be requested in writing by completing the Overseas Telegraphic Transfer form available on Macquarie Online.

If you do not complete the prescribed form your transfer may not be processed. If you require a bank draft, it will be ready for collection in the indicated reception from 10.00am the next Business Day.

Overseas telegraphic transfers generally take three to five Business Days, however we cannot guarantee this. For lodgement times and applicable fees please refer to the Lodgement times and Fees and charges sections of the Further information booklet.

Other withdrawal informationYou are unable to withdraw all of your funds and close your account through Macquarie PhoneLink or Macquarie Online.

If you need to close your account, please contact us.

Fees and chargesMacquarie has fees and charges that apply for incidental services and special requests in relation to your Macquarie CMA. These fees are payable when you request the relevant services and are debited from your account. Details will be outlined on your statement or available on request. Refer to the Fees and charges section of the Terms and conditions found in the Further information booklet for more details.

Increases or changes to fees and chargesWe reserve the right to increase fees and charges and to introduce new fees and charges. Refer to the Variations section of the Terms and conditions found in the Further information booklet for more details.

11

How can I manage my account?Online access – Macquarie Online

Implementing an efficient cashflow management system is easy with Macquarie Online. This online service offers you 24-hour online access to your investment information including your account balance, a summary of your transactions, and interest received.

You can view and print a list of your recent transactions, view details of scheduled transactions and recurring payments, and set up and maintain direct debits and recurring payments. Macquarie Online also allows you to download your transaction details.

You can also view and print statements, confirm when your cheques have been presented, track the unit prices of Macquarie funds and maintain your account details. Visit macquarie.com.au and login using your MAC and password.

Phone access – Macquarie PhoneLink 133 275

With Macquarie PhoneLink, you can quickly and easily access your account over the phone. It allows you to access your account details and transaction history 24 hours a day, seven days a week.

EnquiriesIf you have any enquiries regarding the Macquarie CMA or this Product Information Statement, we can be contacted by one of the following methods:

Mail: Macquarie Bank Limited GPO Box 2520

Sydney NSW 2001

Please go to page 13 for other office addresses.

Phone: 1800 806 310

Email: [email protected]

Further informationThe following information, which also forms part of this Product Information Statement, may be found on our website at macquarie.com.au/cmainfo in the document titled Macquarie CMA – Further information. We advise that you read this document and we will supply a copy of it to you at no charge on request. It includes information dealing with:

• Privacy – a statement of how we will handle personal information we collect about you, and your rights in relation to this information

• Government Guarantee – provides current details on the Australian Government’s Financial Claims Scheme (Government Guarantee)

• Terms and conditions – the detailed terms governing the ways you access your funds from your account, such as by giving fax and electronic instructions, how you may authorise someone else to operate your account, the operation of the Macquarie Online service (including how and when payments are made), the terms of direct debits, lodgement times, fees and charges, and what you and Macquarie may be required to do to comply with Anti-Money Laundering.

ComplaintsWe have procedures in place to properly consider and deal with any complaints within 45 days of receipt. Macquarie is a member of the Financial Ombudsman Service (FOS), an independent external complaints resolution scheme. If you are not satisfied with the response from us, you can contact FOS quoting our membership number 10019. FOS can be contacted at:

Mail: Financial Ombudsman Service GPO Box 3 Melbourne VIC 3001

Phone: 1300 780 808


Online: fos.org.au

How do I access information on my account?

12

Telephone recording policyYou should be aware that we may record all of our phone conversations with you and your Financial Services Professional relating to your account. By applying for a Macquarie CMA, you consent to this recording and its use (or any transcript of the recording) in any proceedings that may be commenced in connection with your Macquarie CMA and you acknowledge that we are not obliged to maintain copies of such recordings or transcripts for your benefit. When calling, please let us know if you do not want your conversation to be recorded.

How will you keep me informed?

Welcome Kit We will send you a Welcome Kit, which will include:• an account confirmation

• your Macquarie Access Code (MAC) so you are able to access the online and phone services.

PIN and password Your PIN and password will be mailed separately to your Welcome Kit.

Statements You can view and print your statements using Macquarie online or opt to receive printed statements. Statements are issued on a half-yearly basis.

Annual interest summary

To help you with your tax return we include an annual interest summary on your statement issued in early July. Your annual interest summary may also be viewed and printed through Macquarie Online.

The ‘Interest Paid’ figure represents the amount of interest paid on your account. This should be included on your tax return under Income in the Gross Interest section.

13

Our offices

State Address Hours of operation

New South Wales 1 Shelley Street Sydney NSW 2000

Macquarie Bank Limited GPO Box 2520 Sydney NSW 2001

8.00am – 6.00pm

Victoria Level 24, 101 Collins Street Melbourne VIC 3000

Macquarie Bank Limited GPO Box 5435CC Melbourne VIC 3001

8.00am – 5.00pm

Queensland Level 16, 345 Queen Street Brisbane QLD 4000

Macquarie Bank Limited GPO Box 1459 Brisbane QLD 4001

8.00am – 5.30pm

South Australia Level 2, 151 Pirie Street Adelaide SA 5000

Macquarie Bank Limited GPO Box 2632 Adelaide SA 5001

8.00am – 5.00pm

Western Australia Level 3, 235 St Georges Terrace Perth WA 6000

Macquarie Bank Limited PO Box 7306, Cloisters Square Perth WA 6850

8.00am – 5.00pm

A

Product Information StatementMacquarie Bank Term Deposit

Macquarie Bank Limited ABN 46 008 583 542 Australian Financial Services Licence No. 237502 DateD: 22 May 2013

B

Contents

01 Features at a glance

02 How do I deposit, withdraw and manage my account?

05 How do I start?

08 Important information about your account

The Macquarie Bank Term Deposit (Account) is provided by Macquarie Bank Limited (Macquarie). As a licensed Australian bank, Macquarie is subject to regulation by the Australian Prudential Regulation Authority. Macquarie also holds Australian Financial S]ervices Licence No. 237502 and is subject to regulation by the Australian Securities and Investments Commission.

Important InformatIon

this product Information Statement describes the features of the account and, together with the separate Further information booklet available on our website at macquarie.com.au/tdfurtherinfo, contains the terms and conditions which apply to its operation. please read the product Information Statement and Further information booklet carefully before deciding whether to open an account.

The information in this Product Information Statement is current as at 22 May 2013 and is subject to change. You can find updated information, including the current Further information document, on our website at macquarie.com.au/personal or by contacting us on 1300 739 980. A paper copy of any updated information is available free on request.

terms

In this Product Information Statement:

We, our, us, Macquarie means Macquarie Bank Limited, AFSL 237502.

You, your means you the account holder(s). Where the context permits it also includes any person carrying out any Account transaction on your behalf, for example a person you have given third party access to.

Financial Services Professional means an adviser, accountant, administrator, stockbroker, risk specialist, mortgage broker, intermediary or any person that acts on behalf of a Company.

Term Deposit means funds are deposited at a fixed interest rate for an agreed term.

At-Call Account means an at-call deposit account.

Other terms which have been capitalised throughout this document are defined in the Terms and conditions under Definitions.

1

Features at a glance

Lock in a fixed rate for greater income certainty, or select at-call for access to funds when you need it.

• Competitive interest rates across a range of terms from 1 month to 5 years

• Online access to view your account

• No establishment or account-keeping fees

• Easy application and management through your Financial Services Professional

• SMSF ready

Key features

General product information Term Deposit At-Call Account

Minimum opening balance $10,000. $10,000.

How to deposit Direct debit. Initial deposit: direct debit.

Additional deposits: direct debit or electronic funds transfer.

Interest rate Funds are deposited at a fixed interest rate for an agreed term.

Funds are deposited at a variable rate, which can change on a daily basis.

Calculation and payment of interest Interest is calculated at a fixed rate for the term of your deposit.

You can choose to receive your interest monthly, quarterly, half-yearly, annually or at maturity.

Interest may be electronically credited to your Nominated Bank Account or reinvested into your Term Deposit.

Interest is calculated daily and paid to you on the last Business Day of each month.

Interest may be credited to your Nominated Bank Account or reinvested to your At-Call Account.

Options at maturity Your deposit will be renewed for the same term upon maturity unless you notify us by the applicable lodgement time that you would like to make changes or close your account.1

Your deposit does not have a maturity date.

Term You can choose a term between 1 month and 5 years. Once you have opened your Term Deposit, the amount, term, interest rate and interest payment options are fixed until maturity.

You may withdraw Cleared Funds from your At-Call Account at any time.1

Withdrawals Funds may be withdrawn on maturity and will be electronically credited to your Nominated Bank Account.1

Please note: cheque and third party payment requests are not available.

Funds may be withdrawn at any time once cleared and will be electronically credited to your Nominated Bank Account.1

Please note: cheque and third party payment requests are not available.

Making changes to your deposit before maturity

If you wish to make any changes to your Term Deposit before the agreed maturity date, this may be at our discretion, depending on the term and an interest adjustment may apply.2

There are no restrictions on when you can make additional deposits or withdraw Cleared Funds from an At-Call Account.1

Currency Australian dollars only. Australian dollars only.

1 Instructions must be received by the applicable lodgement times. 2 For further information on your options to change your Term Deposit, please refer to page 3.

2

Lodgement timesMacquarie has lodgement times which refer to the latest time that a valid transaction request can be lodged to allow for same day processing. Any requests that are unclear, incomplete or require additional information may be unable to be processed the same day. Please note lodgement times are important. To ensure that you receive the interest rate applicable to the day that we receive your account application, your application must be lodged by the relevant lodgement time and all other opening conditions must be satisfied. Refer to the Lodgement times section of the Further information booklet for more details.

Fees and chargesMacquarie has fees and charges that apply for incidental services and special requests in relation to your Account. Details will be outlined on your statement. Refer to the Fees and charges section of the Further information booklet for more details.

Making additional depositsTerm Deposit

Additional deposits will only be accepted on the maturity date. An interest adjustment may apply for additional deposits made before maturity. See Making changes to a Term Deposit before maturity on this page.

At-Call Account

You can electronically transfer deposits directly to your At-Call Account by quoting our BSB and the account number as shown on any Confirmation you receive from us in respect of that Account.

The minimum additional deposit amount is $1,000.

We do not accept cash deposits, travellers’ cheques or international drafts.

Withdrawing fundsTerm Deposit

Your right to withdraw funds before maturity may be limited, please see Making changes to a Term Deposit before maturity on this page.

At-Call Account

Contact us to authorise an electronic funds transfer to your Nominated Bank Account. Subject to the lodgement times outlined in the Further information booklet, your withdrawal will be processed within one Business Day.

The minimum withdrawal amount is $1,000. However, you must maintain a minimum account balance of $10,000 at all times.

Cheque and third party payment requests are not available.

How do I deposit, withdraw and manage my account?

33 The example above is indicative only and the rates and figures have been selected by us to demonstrate how the product works. Actual rates vary from time to time.

Making changes to a Term Deposit before maturityOnce you have opened your Term Deposit, the selections you have made are fixed until maturity.

Terms of 1 month to 2 years

Any request to make changes to your Term Deposit before its agreed maturity date will be at Macquarie’s discretion and may result in an interest adjustment.

Terms of more than 2 years

You may make changes before the agreed maturity date. However, these changes may result in an interest adjustment.

Types of changes

Changes may include (but are not limited to):

• withdrawing funds

• changing the term of your Term Deposit

• changing your interest payment options

• combining or splitting your Term Deposit investments.

Interest adjustment

The interest adjustment is 25% of earned interest and will be deducted from the interest paid to you.

For example, if you have a $100,000 Term Deposit invested at 5.00%pa for a term of 90 days with interest being paid at maturity, and you terminate the Term Deposit 65 days into the term, then $222.60 will be deducted from the interest paid to you.3

This is calculated as follows:

$100,000 x 5.00% x (65/365) x 25% = $222.60

In some circumstances the interest adjustment may exceed the interest accrued on your Term Deposit since the last interest payment date. Rather than asking you to repay some of the interest already paid to you, we will deduct the balance of the interest adjustment from the principal balance of your Term Deposit.

Grace PeriodIf we do not receive instructions from you or your Financial Services Professional when your Term Deposit matures, your deposit will be automatically reinvested for the same term and interest payment options and at the prevailing interest rate. However, you may be entitled to a Grace Period.

The Grace Period extends for five Business Days from the Term Deposit’s previous maturity date. During this time you have the option to make changes to your Term Deposit details or withdraw your funds, without incurring an interest adjustment.

If you amend your Term Deposit during the Grace Period, the interest rate that applies to your deposit will depend on the amount, investment term and interest payment option you select at that time.

After the Grace Period has expired, an interest adjustment may apply for any changes to your Term Deposit.

Interest rateTerm Deposit

You will earn an agreed fixed interest rate, based on the deposit amount, term and interest payment frequency that you select.

The interest rate applicable on any account is set upon the opening of the account after all account opening conditions have been satisfied.

Rates are quoted for terms expressed in months or years. The exact number of days for your term will vary, depending on the date your Account is opened. Your maturity date will be provided in your Account Confirmation.

For example, if you invest $10,000 for 270 days at a rate of 5.00%pa, at maturity you will have earned $369.86 in interest.3


$10,000 x 270/365 x 5.00% = $369.86

Interest may be reduced if you change your Term Deposit before maturity. Please refer to Making changes to a Term Deposit before maturity on page 2.

At-Call Account

The interest rate is variable and subject to change without notice.

For example, if you invest $10,000 At-Call at 3.50%pa for 60 days, you will have earned $57.53 in interest.3


$10,000 x 60/365 x 3.50% = $57.53

For the latest interest rates, please call 1300 739 980.

4

Interest payment optionsTerm Deposit

Depending on the term you select, you may elect to receive interest payments on a monthly, quarterly, half-yearly or annual basis, or to receive a single interest payment at maturity.

Interest payment frequency Available on terms:

Monthly All terms from 1 month to 5 years

Quarterly Terms of 3 months, 6 months, 9 months and 1 to 5 years

Half-yearly Terms of 6 months and 1 to 5 years

Annually Terms from 1 to 5 years

At maturity Terms from 1 month to 1 year

In addition to this, you may either elect to have your interest paid into your Nominated Bank Account, or reinvested into your Term Deposit.

At-Call Account

Interest is calculated daily and paid to you on the last Business Day of each month.

You may elect to have your interest paid into your Nominated Bank Account or reinvested into your Account.

Accessing your account onlineYou can login to your Account at macquarie.com.au using your Macquarie Access Code (MAC) and password.

We will issue you a MAC, unless you already have one.

StatementsTerm Deposit

Statements will be issued on a six-monthly basis for the periods ending 30 June and 31 December for all Term Deposits which are open on these statement dates.

In addition, for all Term Deposits we will send a Confirmation at maturity setting out details of your investment.

At-Call Account

Statements will be issued on a six-monthly basis for the periods ending 30 June and 31 December for all At-Call Accounts which are open on these statement dates.

Your statement will include details of your investment, including the balance of your Account and all transactions on your Account for that period.

5

Opening an AccountTo open an Account:

1. Read this Product Information Statement and the Further information booklet thoroughly.

2. If you have not already satisfied our requirements under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, each account signatory will also need to provide identification. Refer to the Application guide for details on how to complete the identification requirements.

3. Complete and sign the application form that accompanies this document or alternatively you can use the online application process. Some applicants may be required to provide additional documentation.

4. Applications can be provided as follows:


Fax: 1300 736 967

Mail: Macquarie Bank Limited GPO Box 2520 Sydney NSW 2001

The minimum investment is $10,000.

The only currency accepted for your account is Australian dollars (AUD).

Taxation4

Tax File Number (TFN) or Australian Business Number (ABN) or exemption reason

Your TFN, ABN or exemption reason is collected in accordance with the Income Tax Assessment Act 1936 and the Taxation Administration Act 1953.

Provision of a TFN, ABN or exemption reason is not compulsory, however, if you do not quote one of these (including one for each party to a joint account) tax may be deducted from the interest paid to you at the highest marginal tax rate plus the Medicare Levy. Declining to quote your TFN is not an offence.

Non-residents

If you are a non-resident of Australia for taxation purposes, you must provide us with your country of residence for taxation purposes.

Tax may be withheld from the interest you earn on your Account if you are a non-resident of Australia.

Authorised signatoriesYou can appoint another person or company to have access to and operate your account by completing the Third Party Authority form. Please contact us to request a copy of this form.

Appointing an Authorised Signatory enables them to have withdrawal access to your Account. In addition to this, they will be authorised to provide or change maturity instructions or update your Account details. This excludes changes to Nominated Bank Account details, signing instructions and the appointment of other Authorised Signatories.

How do I start?

4 Macquarie Bank Limited does not give, nor purport to give, any taxation advice. The application of taxation laws depends on a client’s individual circumstances. Accordingly, you should seek independent professional advice on taxation implications before making any decisions about a financial product or class of products.

6

You and your Financial Services Professional work closely togetherIf you have a Financial Services Professional, they may be critical to the ongoing management of your account. Your authorised Financial Services Professional can obtain account information and we will attempt to contact them in the first instance if any follow up is required on your account.

Your Financial Services Professional is also able to assist you with any queries you may have regarding your Account.

You choose and appoint your Financial Services Professional. Unless your Financial Services Professional is an authorised representative of a Macquarie Group company, no Macquarie Group company is responsible for the acts or omissions of your Financial Services Professional.

Your Financial Services Professional or their designated support staff are able to give us instructions on your behalf to:

• transfer funds from your Nominated Bank Account to your Account

• transfer funds from your Account to your Nominated Bank Account

• make changes to your Term Deposit before maturity (see Making changes to a Term Deposit before maturity on page 2)

• manage your Term Deposit at maturity (eg provide instructions to reinvest for another term, transfer your funds to At-Call or pay your funds into your Nominated Bank Account).

Advisory firm remunerationIf a registered broking firm or licensed financial advisory firm introduced you to the Macquarie Bank Term Deposit and their stamp or details appear on the application form, an amount of commission as selected by you on the application form will generally be paid. When notified, we will transfer the payment of this commission to any new registered broking firm or licensed financial advisory firm that provides you with advice.

We will not make these payments in certain circumstances, including where there is a legal impediment or prohibition on us making such payments – see for instance, the comments on the FOFA Reforms below.

Future of Financial Advice (FOFA) ReformsA suite of reforms referred to as the FOFA Reforms commenced on 1 July 2012 with transitional effect which result in a ban on commissions and other similar payments from either 1 July 2013 or 1 July 2014 depending on the particular circumstances. As a result, we will not make payments where we are prohibited from doing so under the FOFA Reforms.

ComplaintsWe have procedures in place to properly consider and deal with any complaints within 45 days of receipt. Macquarie is a member of the Financial Ombudsman Service (FOS), an independent external complaints resolution scheme. If you are not satisfied with the response from us, you can contact FOS quoting our membership number 10019. FOS can be contacted at:

Mail: Financial Ombudsman Service GPO Box 3 Melbourne VIC 3001

Phone: 1300 780 808


Online: fos.org.au

7

Telephone recording policyYou should be aware that we may record all of our phone conversations with you and your Financial Services Professional relating to your Account. By applying for a Term Deposit, you consent to this recording and its use (or any transcript of the recording) in any proceedings that may be commenced in connection with your Term Deposit and you acknowledge that we are not obliged to maintain copies of such recordings or transcripts for your benefit. When calling, please let us know if you do not want your conversation to be recorded.

EnquiriesIf you have any enquiries regarding the Macquarie Bank Term Deposit or this Product Information Statement, please contact your Financial Services Professional, or we can be contacted by one of the following methods:

Phone: 1300 739 980

Mail: Macquarie Bank Limited GPO Box 2520 Sydney NSW 2001


Further informationThe following information, which also forms part of this Product Information Statement, may be found on our website at macquarie.com.au/tdfurtherinfo in the document titled Macquarie Bank Term Deposit – Further information booklet. We advise that you read this document and we will supply a copy of it to you at no charge on request. It includes information dealing with:

• Privacy – a statement of how we will handle personal information we collect about you, and your rights in relation to this information

• Government Guarantee – provides current details on the Australian Government Guarantee (Financial Claims Scheme)

• Terms and conditions – the detailed terms governing the ways you access funds from your Account, how you may authorise someone else to operate your Account, the operation of the Macquarie Online service, the terms of direct debits, lodgement fees, fees and charges, and what you and Macquarie may be required to do to comply with Anti-Money Laundering.

8

Significant benefitsTerm Deposit

A significant benefit is that you can lock in an interest rate for a fixed period. This means you will have certainty of return.

At-Call Account

A significant benefit is that the money is readily accessible (subject to being Cleared Funds).

Important information about your account

Significant risksTerm Deposit

• If interest rates rise after the date you lock in your Term Deposit, you will earn a lower rate of interest on your deposit than you might otherwise have received.

• If you withdraw your funds prior to the maturity date of the Term Deposit, an interest adjustment may apply. Please refer to Making changes to a Term Deposit before maturity on page 2.

• Macquarie may, at its discretion, refuse your request or delay effecting your request to withdraw funds prior to maturity for a Term Deposit with a term of 2 years or less.

At-Call Account

• The interest you earn on the balance of your Account is subject to fluctuations in the interest rate, so there is no guarantee that you will always earn a particular rate of interest on the balance of your Account.

• Your funds must be Cleared Funds before they can be withdrawn.

Government GuaranteeThe Macquarie Bank Term Deposit is a deposit with Macquarie Bank Limited and is therefore eligible for coverage under the Australian Government Guarantee (Financial Claims Scheme). For current details on the Australian Government Guarantee including applicable caps, please see macquarie.com.au/tdfurtherinfo

10BFS0007 05/13

For more information about Macquarie Bank Term Deposits, clients contact your Financial Services Professional or call 1300 739 980. You can also fax us on 1300 736 967, email us at [email protected] or visit our website at macquarie.com.au/personal

Financial Services Professionals contact us on 1300 739 980. You can also fax us at 1300 736 967, email us at [email protected] or visit our website at macquarie.com.au/advisers

For overseas queries call us on +61 7 3233 8136.

Macquarie Bank Limited GPO Box 2520 Sydney NSW 2001

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19

AdelaideLevel 2, 151 Pirie Street Adelaide SA 5000

GPO Box 663 Adelaide SA 5001

Tel 08 8203 0200 Fax 08 8203 0392

BrisbaneLevel 7, 825 Ann Street Fortitude Valley QLD 4006

GPO Box 1428 Brisbane QLD 4001

Tel 07 3233 5888 Fax 07 3233 5999

CanberraLevel 7, Canberra House 40 Marcus Clarke Street Canberra ACT 2600

GPO Box 358 Canberra ACT 2601

Tel 02 6103 3100 Fax 02 6103 3133

Gold CoastLevel 10, Niecon Tower 19 Victoria Avenue Broadbeach Mall Broadbeach QLD 4218

PO Box 1191 Broadbeach QLD 4218

Tel 07 5509 1444 Fax 07 5509 1414

Manly60 The Corso Manly NSW 2095

PO Box 400 Manly NSW 2095

Tel 02 9425 6000 Fax 02 9425 6066

MelbourneLevel 26, 101 Collins Street Melbourne VIC 3000

GPO Box 5435 Melbourne VIC 3001

Tel 03 9635 8383 Fax 03 9635 8326

PerthLevel 4, 235 St Georges Terrace Perth WA 6000

GPO Box R1285 Perth WA 6844

Tel 08 9224 0666 Fax 08 9224 0895

Sunshine Coast69 Mary Street Noosaville QLD 4566

PO Box 47 Noosaville QLD 4566

Tel 07 5474 1608 Fax 07 5474 4965

Sydney1 Shelley Street Sydney NSW 2000

GPO Box 526

Sydney NSW 2001

Tel 02 8232 1679 Fax 02 8232 4055

For more information about Macquarie Share Trading

call us on 1800 789 789, visit macquarieprivatewealth.com.au

or email [email protected]

BLK0252 03/14

Macquarie Private Wealth’s services are provided by Macquarie Equities Limited ABN 41 002 574 923 (MEL). Participant of Australian Securities Exchange Group, Australian Financial Services License No. 237504. This general advice has been prepared by MEL and does not take account of your objectives, financial situation or needs. Before acting on this general advice you should consider the appropriateness of the advice having regard to your situation. We recommend you obtain financial, legal and taxation advice before making any financial investment decisions.

MEL is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth), and MEL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MEL.

Macquarie Bank Term Deposits are issued by MBL, Australian Financial Services License No. 237502. Fees and charges may be payable. Terms and conditions are available upon request.

This information is provided by MEL, 1 Shelley Street Sydney NSW 2000.

This page has been left intentionally blank

17

AdelaideLevel 2, 151 Pirie Street Adelaide SA 5000

GPO Box 663 Adelaide SA 5001

Tel 08 8203 0200 Fax 08 8203 0392

BrisbaneLevel 7, 825 Ann Street Fortitude Valley QLD 4006

GPO Box 1428 Brisbane QLD 4001

Tel 07 3233 5888 Fax 07 3233 5999

CanberraLevel 7, Canberra House 40 Marcus Clarke Street Canberra ACT 2600

GPO Box 358 Canberra ACT 2601

Tel 02 6103 3100 Fax 02 6103 3133

Gold CoastLevel 10, Niecon Tower 19 Victoria Avenue Broadbeach Mall Broadbeach QLD 4218

PO Box 1191 Broadbeach QLD 4218

Tel 07 5509 1444 Fax 07 5509 1414

Manly60 The Corso Manly NSW 2095

PO Box 400 Manly NSW 2095

Tel 02 9425 6000 Fax 02 9425 6066

MelbourneLevel 26, 101 Collins Street Melbourne VIC 3000

GPO Box 5435 Melbourne VIC 3001

Tel 03 9635 8383 Fax 03 9635 8326

PerthLevel 4, 235 St Georges Terrace Perth WA 6000

GPO Box R1285 Perth WA 6844

Tel 08 9224 0666 Fax 08 9224 0895

Sunshine Coast69 Mary Street Noosaville QLD 4566

PO Box 47 Noosaville QLD 4566

Tel 07 5474 1608 Fax 07 5474 4965

Sydney1 Shelley Street Sydney NSW 2000

GPO Box 526

Sydney NSW 2001

Tel 02 8232 1679 Fax 02 8232 4055

For more information about Macquarie Share Trading

call us on 1800 789 789, visit macquarieprivatewealth.com.au

or email [email protected]

BLK0252 05/14

Macquarie Private Wealth’s services are provided by Macquarie Equities Limited ABN 41 002 574 923 (MEL). Participant of Australian Securities Exchange Group, Australian Financial Services License No. 237504. This general advice has been prepared by MEL and does not take account of your objectives, financial situation or needs. Before acting on this general advice you should consider the appropriateness of the advice having regard to your situation. We recommend you obtain financial, legal and taxation advice before making any financial investment decisions.

MEL is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth), and MEL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MEL.

Macquarie Bank Term Deposits are issued by MBL, Australian Financial Services License No. 237502. Fees and charges may be payable. Terms and conditions are available upon request.

This information is provided by MEL, 1 Shelley Street Sydney NSW 2000.