This Guide is intended to assist you in determining whether to use any of our services offered in this Guide. It includes information about remuneration that may be paid to others or us in relation to the products or services offered and what you can do if you have a complaint about our services.

Information is set out here in answer to specific questions. If you need more information or clarification, please ask us.

Introduction

This Financial Services Guide (FSG) is intended to give you information concerning our relationship, prior to us providing you with a financial service. The matters covered by the FSG include:

• who we are
• how we can be contacted
• what services we are authorised to provide to you
• how we are remunerated
• details of any potential conflicts of interest
• details of our internal and external dispute resolution procedures and how you can access them

This FSG will assist you in determining whether to use any of the services described below.

If we recommend that you acquire a financial product, or we offer to issue or arrange for the issue of a financial product to you, where required, we will also provide you with a Product Disclosure Statement (PDS) containing information about that product. This will help you to make an informed decision about the acquisition of that product.

Australian Insurance Services (NSW)

On 1 July 2008, Momentum Insurance Services Pty Ltd purchased Australian Insurance Services (NSW)) herein (AIS). All invoices/policies/insurance related documents issued after this date, are issued on behalf of Momentum Insurance Services. Momentum Insurance Services Pty Ltd has registered the trading name of Australian Insurance Services (NSW), and continues to trade in Kempsey as Australian Insurance Servicers (NSW).

About Us

Momentum Insurance Services Pty Ltd is an AFSL Licensee under the Corporations Act (Cth) 2001. We are authorized to arrange and advise on a range of General Insurance Products. Our ABN is 38 104 817 101, Our CAN is 104 817 101 and our AFSL license number is 282998.

What Financial Services are we authorised to provide to you and what kind of products do those services relate to?

We are a licensed insurance broker able to provide you with financial product advice, and to deal, in relation to General Insurance products. Our Australian Financial Services License number is 282998.

Workers Compensation Insurance

Unless specifically agreed and detailed in writing, our services do not include Workers Compensation Insurance. Employers are required to effect insurance direct with licensed insurers in New South Wales.

About Our Remuneration

We may be paid commission by Insurers for arranging and altering or varying the policy, which is based on a percentage of the premium less stamp duty, fire services levy, GST and any other Government charges and imposts. The rate of commission varies depending on the Insurer and the policy and may range from 0% to 25%. The commission is included in the premium charged and covers the expenses we incur in running our business as well as a profit component. We retain the commission from the premium you pay us and remit the balance to the Insurer.

We may charge you a Broker Fee or Administration Fee rather than commission for arranging your policy/s. We may charge you a combination of a Broker Fee or Administration Fee and commission for arranging a policy. The Broker Fee may be a flat agreed fee or a fee based upon the time or other factors we spend advising &/or servicing you.

Our employees and representatives receive an annual remuneration that can include a bonus based on them meeting certain business performance criteria, such as internal service standards, volume of business and may share in the commission and fees earned by the Company.

In some cases another party may introduce you to us, in return for which we may share with them our commission or fees, or pay them an agreed referral fee. The commission we share on the premium may range from 2.5% to 22.5%, depending on our relationship and role with the introducer.

In the event of a refund for the cancellation or adjustment of a policy, we reserve the right to retain our remuneration.

Binder Agreement

AIS has entered into an agreement with The Hollard Insurance Company Pty Ltd where AIS recommends Hollard products to its clients, acting under Hollard's behalf under binder. Depending on profitability, AIS may from time to time expect to receive a share of the underwriting profits, based on the overall performance of the insurance portfolio after deducting claims and expenses. The % of profit payable may vary and is not guaranteed.

Do we have any relationships or associations which might influence the provision of Our Financial Service?

We do not have any associations or relationships that are capable of influencing our advice to You, other than those from which we may receive remuneration or benefits already declared to You &/or where coverage terms are advantageous to You.

How can you provide us with instructions?

You may give us instructions by telephone, fax or other means, which we agree with you.

Who is responsible for the advice I receive?

AIS is responsible for the advice and services provided to you by our employees and those external people that AIS has authorised to act on our behalf ("Authorised Representatives").

All Representatives are qualified, competent and experienced professionals who will work with you to obtain cover appropriate for your needs and circumstances.

While our "Authorised Representatives" are not employees of AIS they are able to provide you with the same level of advice and service that you would expect to receive from us directly. Our Authorised Representatives, who act solely for AIS, can be identified and contacted by the following details:

Mrs Susan Jenkins
SMJ NSW Pty Ltd
414 Turners Flat Road, TURNERS FLAT NSW 2440
Ph 6562 7048 Fax 6562 8748
Authorised Broker Representative Number 329106

Mrs Sharon McIver
SA & TG McIver Partnership
"Rutherglen", Willi Willi Road, Via WILLAWARRIN NSW 2440
Ph 6562 7048 Fax 6562 8748
Authorised Broker Representative Number 255031

If You Have Any Complaints

Contact us and tell us about your complaint. We have our own internal disputes resolution procedures in place. Any complaint can be expressed, in the first instance, to the AIS Representative servicing your Account or alternatively, taken direct to the AIS Complaints Manager in writing or by telephone. We will need you to provide us with comprehensive details to enable us to investigate your complaint further.

As required under Law, we belong to an approved external dispute resolution scheme and are a member of Insurance Brokers Disputes Limited ("IBD") - a free consumer service for the resolution of disputes in relation to insurance brokers and their clients. You are free at anytime to contact them direct with your complaint. The IBD is contactable on 1800 064 169.

How do I contact AIS?

79-81 Belgrave St Kempsey NSW 2440
PO Box 233
Telephone 02 6562 7048 or fax to 02 65 628 748
Or email us at info@aisinsure.com.au