ABN: 95 100 192 283 AFSL: 311880

Issue date: 1 February 2010

What is a Financial Services Guide?

The Financial Services Guide ("FSG") is an important document which we are required to give you when operating under an Australian Financial Services License ("AFSL"). The FSG is intended to inform you of certain matters relating to our relationship, prior to providing you with a financial service.

The matters covered by the FSG include:

who we are and how we can be contacted;

• what services and types of products we are authorised to provide;
• how we (and any other relevant parties) are remunerated;
• details of any potential conflicts of interest; and
• details of our internal and external dispute resolution procedures and how you can access them.

It is intended that this FSG should assist you in determining whether to use any of our services. If you choose to use any of our products and services you may also receive other documents which you should read carefully. These documents may include either or both of the following:

Statement of Advice (SOA)

This will usually be given whenever we provide you with any advice which takes into account your objectives, financial situation and needs (personal advice). The SOA will contain the advice, the basis on which it is given and other information, including information about fees, commissions and associations which may have influenced the provision of this advice.

In certain circumstances, an SOA may not be provided in respect of time critical advice given by telephone, fax or email in relation to securities, fixed interest or managed investment products able to be traded on a licensed market. However, details of such advice will be recorded in a Record of Advice (ROA) which you will have the right to request for up to 90 days after the advice has been given.

Product Disclosure Statement (PDS)

This will be provided when we make a recommendation to acquire a particular financial product (other than securities) or offer to issue or arrange the issue of a financial product. This document contains significant information necessary for you to make an informed decision about that product.

Information about SuperRatings Pty Ltd ("SuperRatings")

• SuperRatings holds AFSL 311880
• Any financial services offered are provided by representatives of the above
• SuperRatings is a wholly independent company, not associated with any other investment provider.

Our financial services and financial products

SuperRatings is authorised to offer the following financial services and financial products:
Giving advice (both general and personal) and dealing in:

• Basic deposit products
• Non-basic deposit products
• Non-cash payment products
• Government debentures, stocks and bonds
• Securities
• Superannuation
• Managed investment schemes
• Retirement Savings Account products

To 'wholesale' and 'retail' clients.

If you have any questions about our products or service you can:

• speak to your adviser
• if you do not have an adviser, call us on (02) 9247 4711
• visit our website at www.superratings.com.au
• write to us at: Level 12; 2 Bulletin Place; Sydney NSW 2000
• email:
• Fax: (02) 9247 4322

Personal Financial Advice

In order for SuperRatings to give you personal financial advice you will need to provide us with details of your personal objectives, current financial situation and needs and any other relevant information, so that we can provide you with appropriate advice. You have the right not to provide us with this information. If you do not, however, the advice you receive will be general in nature and may not be appropriate to your objectives, financial situation and needs. You should read the warnings contained in the SOA carefully with regards to any decision relating to a financial product.

We will only give personal advice to you if you secure the services of one of our advisers. We will not give you personal advice in our regular updates or marketing material, when you visit our website, or contact our Client Service Centre.

We maintain a record of your personal profile including details of your objectives, financial situation and needs. We also maintain records of any recommendations made to you. For information on how to access these records, please refer to the section "Personal Information" below.

Providing instructions to SuperRatings

You can give us instructions by telephone, mail, email or fax. There may be special instruction arrangements for some products and services - details of which will be explained in the relevant PDS.

Payments to SuperRatings for the services provided

SuperRatings may receive remuneration in relation to your investment in that product, based on the value of your holdings. We may also receive on-going commissions. The means by which fees, charges and other benefits are calculated will be disclosed to you in your SOA, along with any conflicts of interest or any other information that may influence the recommendation given.

Broking - Brokerage will apply on all products traded in a market. Your adviser will agree a fee with you prior to the execution of your order.

Financial Planning Fee - Any fee for a financial plan will vary depending on the complexity of the advice and strategy provided (based on hours to prepare the advice). Your adviser will agree the fee with you prior to the preparation of the financial plan.

Remuneration or other benefits received by SuperRatings staff

SuperRatings’ employees are paid a salary and do not receive any commissions or other form of remuneration from any financial service product issuer. Your adviser is also required to set out the remuneration and commissions they receive in the SOA given to you when providing personal advice.

Remuneration or benefits paid to those who refer clients to us

Where you have been referred to us by someone else, if we pay them a commission in relation to that referral, we will make a separate disclosure to you.

Personal Information

At SuperRatings the privacy of your information is important to us. Any personal information collected will be handled in accordance with our Privacy Policy. Our Privacy Policy details how we comply with the requirements of the Privacy Act in the handling of your personal information. A copy of that policy can be obtained by contacting SuperRatings.

Complaints Handling

SuperRatings is committed to providing a high standard of client service and to maintaining our reputation for honesty and integrity. If our level of service or quality of products has failed to meet your expectations we would like you to tell us about your concerns. Our complaints handling process is designed to ensure that your concerns are treated seriously and that your complaint is addressed promptly and fairly.
Your complaint may be lodged either verbally or in writing and will be dealt with in strict confidence. If you have a complaint about the service provided to you, you should take the following steps:
1. Contact your adviser;
2. Contact the Compliance Manager:

The Compliance Manager
SuperRatings Pty Ltd
Level 12
2 Bulletin Place
Sydney NSW 2000
Tel: (02) 9247 4711
Fax: (02) 9247 4322
Email:

We try to resolve complaints as soon as possible and at the latest will provide you with a decision within 45 days of receipt of your complaint.

If you are not satisfied with our handling of your complaint you may direct your concerns to:

Financial ombudsman Service (FOS)
GPO Box 3
Melbourne Victoria 3001
Tel: 1300 78 08 08
Fax: 03 9613 6399
Email: