Introducing Sterling Managed Accounts

Managed Accounts Like a managed fund (and fund of funds) Managed by a professional, skilled investment team Manager invests pursuant to their mandate Yet, like a direct equity portfolio Your clients see their own portfolio of underlying securities And beneficially own those securities Giving them their own personal tax position, not a shared tax position Without you having to get client approvals for each trade No RoAs for each trade And with the industry’s lowest brokerage 5 bps (minimum brokerage 33 cents!)

About Praemium ASX Listed Global Footprint Fintech Company Company founded in 2001 Listed on Australian Stock Exchange (ASX) in 2006 Independent Global Footprint Head office in Melbourne, Australia Locations across the UK, Europe, Asia Over 170 staff Fintech Company Wealth management software Over 900 wealth management clients covering $80 billion in assets

What is Sterling Managed Accounts? Sterling Australian Equities Portfolio Sterling Growth Portfolio Sterling Balanced Portfolio Sterling Conservative Portfolio Model Manager Investor Adviser

What is Sterling Managed Accounts? Sterling Australian Equities Portfolio Sterling Balanced Portfolio Sterling Conservative Portfolio Sterling Growth Portfolio Model Manager

What is Sterling Managed Accounts? Infocus Diversified Income Infocus Property Infocus Global Shares Infocus Cash Sterling Australian Equities Portfolio Sterling Balanced Portfolio Sterling Conservative Portfolio Infocus Australian shares - Core Infocus Australian shares – High Yield Infocus Australian shares – small cap Infocus High growth Sterling Growth Portfolio Infocus Growth Infocus Balanced Infocus Conservative Infocus Defensive Model Manager Adviser $1,000,000 Investor

A typical MIS

A typical MIS

Investor Portal Regulatory threshold

Investor Portal Regulatory threshold

Investor Portal Regulatory threshold

Daily rebalancing $ $ Reconciliation/pre-trade checks Rebalance Netting ASX and MF trades Post actual trades Update all portfolios Sterling Growth 20% Sterling Growth $ $ Sterling Balanced

Pricing Preferential pricing, reflecting a partner relationship. Enables defensible transfers from existing platform/fund structures. Administration fee Managed Accounts Super Model Pricing First $250,000 0.37% .66% $250,001-$500,000 0.25% $500,001 - $1,000,000 0.15% $1,000,001 - $2,000,000 0.10% More than $2,000,000 0.05% Fund accounting fee N/A $12 per month

Benefits of managed accounts Managed Funds Direct Shares Tax efficient ✔ X Transparent Lower brokerage costs Customisable/flexible Access to professional managers Beneficial ownership Lower compliance burden Licensee visibility Regulatory threshold

Benefits to advisers Reduces administration – no need for SoAs or RoAs when client portfolios are updated All client portfolios are in line and accurate – you don’t need to manage this Outsourcing investment management to a credible, well-resourced expert Outsourcing administration to an independent, experienced, specialist Give all clients a consistent outcome – not just for HNWs (inter-generational wealth transfers) Most importantly: Frees up your time for you to run and build your business

Landing Page

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The Team 10 years’ experience with managed accounts; administering $3bn Named SMA Platform Winner at the inaugural Lonsec Awards in 2014. Experienced portfolio management capabilities Excellent track record Fixed interest specialists Highly experienced team Responsible for model management Responsible for selection of sub-managers

SMSFs and advice The proportion of SMSFs using a financial planner continues to decline

SMSFs – the final frontier Consolidating all assets of the fund Managed investments CMA Trustee managed shares Property Collectibles Getting Trustee, Adviser and Accountant on the same page Working from the same data Seeing what they each want and need to see Doing what they each need to do

Everything in one place

More information Andrew Varlamos—Commercial Director Visit the Sterling landing page for links to all documents: http://www.praemium.com.au/sterling Andrew Varlamos—Commercial Director Email: andrew.varlamos@praemium.com Phone: 03 8622 1222 Jerome Swindon—Relationship Manager Email: Jerome.Swindon@praemium.com Phone: 03 8622 1277