1. Investment Service Speaker - Marcel Parrett Investing in Australia with confidence marcel.parrett@fitz.com.au +61 2 8090 1010

2. Agenda Marcel Parrett & Fitzpatricks Why is Fitzpatricks here What services does Fitzpatricks provide

3. Disclaimer This information is prepared by Fitzpatricks Dealer Group ABN 33 093 667 595 AFSL No. 247 429. The information in this publication is of a general nature only. All information has been prepared without taking into account your objectives, financial situation or needs. Because of this, we recommend you consider, with or without the assistance of a financial adviser, whether the information is appropriate for you. Past performance is not a reliable indicator of future performance. When we speak of our investment objectives, particularly for performance, it is very important to understand that these are not forecasts, promises or guarantees. They are simply our goals. The performance or success of an investment through our MDA is not guaranteed. You can lose as well as make money. Performance figures relate to each model portfolio designed by Fitzpatricks Dealer Group (‘Fitzpatricks’) with investment management implemented by one or more underlying investment manager selected from time to time and monitored by Fitzpatricks. Underlying investment managers and the details of each model portfolio have changed in the past and may change in the future and you should keep this fluidity in mind when considering figures. Investment manager history is available free of charge on request. Actual performance will differ among clients depending on the timing of their investment and the level of variation from the models. Figures are post Portfolio Management fees and expenses of Fitzpatricks and underlying managers. They do not take into account inflation or tax or adviser fees and assume reinvestment of distributions.

4. Marcel Parrett Principal of Fitzpatricks Sydney Pty Ltd Certified Financial Planner Over 23 years of experience in providing financial advice to high and ultra high net worth individuals and family groups

5. Fitzpatricks Private Wealth AFSL 247429 Founded in 2002 by John Woodley and Scott Fitzpatricks - both financial advisors and directors National advisory firm with 45 advisers Australian privately owned and operated professional services firm Over AUD $2 billion funds under advice Fitzpatricks’ board of directors help guide our business

6. Chris Cuffe 25 Years wealth management experience Chairman UniSuper - $40 billion super fund Founder of Australian Philanthropic Services Director & Founder of Third Link Investment Managers, WAM Active and Arkx Investment Management Preciously CEO Colonial First State Investment and challenger Financial Group Received Australian Fund Mangers Hall of Fame Award BCom, CA Board of directors – impeccable reputations John Woodley 20 years of experience in wealth management Chief Executive Officer – Fitzpatricks Private Wealth Director Fitzpatricks Group since 2000- 2011 Chief Executive Officer – Halliday Financial Management 1996 – 2000 Certified Financial Planner Scott Fitzpatrick 25 years financial services experience Founder and NED – Fitzpatricks Group Recognized industry trainer for advisers to HNW & Family Office Clients Certified Financial Planner Alex Hone 15 years wealth management experience Chief Executive Officer – Atrium Investment Management Portfolio Manager, Magellan Asset Management 2006 – 2009 CP2, Schroders and NAB Masters Applied Finance,BA 6 John McMurdo Group Managing Director Fitzpatricks since 2011 25 years financial services experience Chief Executive Officer Centric Wealth 2010-2011 Managing Director Hillross Financial Services 2006- 2010 Member of FPA Board Professionalism and Policy Committee Extensive Financial Services Directorships MBA

7. Fitzpatricks: What we do? Two key parts to our business: 1. Financial advice service Complex Broad range of issues Outcome focused 2. Investment service – Risk Target Approach We work with a view that relationships are long term We cover more than financial outcomes We have built a trusted network of financial and non-financial specialists

8. Why we are here Team up with liked minded professionals Significant Investor Visa service is an extension of Fitzpatricks‘ existing Expats and Foreign Nationals Service

9. Snapshot: Significant Investor Visa 188 Temporary Visa pathway to 888 Permanent Resident Visa SIV commenced on 24 Nov 2012 Hold complying investments min AUD$5m for 4 years Snapshot as at31.7.2013 Expression of interest554 Invitations issued409 Primary applications lodged305 SIV primary visas granted10 StateApplications lodged% NSW13845% VIC12441% QLD248% WA165% SA31%

10. Fitzpatricks’ SIV Service Fitzpatricks’ SIV Service: Stage 1 Applications 3. Capital in AUD & FX Management 4. Tax Advice Australia & China 2. Selecting Complying Investment Mix 1. Selecting Appropriate Visa Pathway 10

11. Fitzpatrick’s SIV Service Fitzpatricks’ SIV Service: Stage 2 Practical Decisions 1. Decide where to live 3. Children Education 11 5. Other: Health, Language, Home help 4. Relocation Service 6. Premium Travel Experience 2. Rent or Buy

12. Fitzpatricks’ Investment Approach Fitzpatricks’ SIV Service: Stage 3 Complying Investments 3. Investment universe is all Complying investments 4. Review complying status & keep up to date 2. Client risk profile and objectives 1. Investment Agnostic 12 3. Investment universe - all complying investments 4. Review complying status and keep up to date 1. Investment Agnostic

13. Fitzpatricks’ Risk Target investment approach 13 Preservation of capital (not a guarantee) Focus on risk first Seek a more consistent investment return outcome

14. Risk Targeted Investing 14 The Risk Targeted Approach seeks to provide clients with a more consistent return outcome over time (as designated by the green line). Source: Atrium

15. Where is the risk coming from? 15 A portfolio of traditional asset classes may look ‘balanced’ …….. …..but in fact equity risk dominates all other risks Source: Atrium

16. Fitzpatricks Risk Target Growth Portfolio

17. Summary Privately owned Our advice focus wide and varied – personal CFO role Outcome focused Broad range of deliverables Partner with a wide range of services providers Unique Risk Target investment approach

18. Premium Travel Experience

21. Q & A