FINANCIAL SERVICES GUIDE

The YourShare website and services are non-advisory services. YourShare does not make any recommendations or endorsements of financial products or their suitability to the individual.

This Financial Services Guide (“FSG”) is an important document and is designed to assist you in deciding to use the services of YourShare Financial Services Pty Ltd ("YourShare"). Within this document is information about the services we offer, who we are, how we are remunerated, how complaints are dealt with, and how to contact us.

In addition to this FSG, you may also receive a Product Disclosure Statement (PDS) when you acquire a financial product. The PDS sets out the costs, benefits and significant risks of the product, and should assist you in deciding whether to acquire the product.

This FSG has been authorised for distribution by Ziel Two Pty Ltd and QBE (Australia) Insurance Limited.

Who Is YourShare

YourShare is an independently owned financial services business. We have been appointed as an Authorised Representative (AR Number 309028) of Ziel Two Pty Ltd, (AFSL No. 334107), Ph: 02 4858 0384. with authority to provide financial product advice on and deal in deposit products, non-cash payment products, general insurance products, debentures, stocks or bonds issued by a government, investment life and life risk insurance, interests in managed investment schemes (including investor directed portfolio services), retirement savings accounts, superannuation and securities; and

YourShare act on your behalf to assist you with acquiring financial products, and not on behalf of the product issuers. However, YourShare acts as the agent of QBE (Australia) Insurance Ltd to arrange QBE general insurance products.

Our Services

YourShare provides a web-based service to allow you to acquire, nominate, access and manage your investments and other financial products by establishing an online account with YourShare, We may provide you with limited general advice in the provision of our services, but we do not provide a personal advice service. We can refer you to appropriately authorised and qualified financial planners or insurance brokers if you require this service.

Our service works for new and existing financial and credit products including;

How can you deal with us?

You can deal with us by phone, fax or email. When your personal details change you will need to notify each product provider of your new contact details. For our records you can update your details via our website or by calling us.

Fees, Commissions And Other Benefits Received By YourShare

Authorised Representative of Ziel Two

Ziel Two receives a commission from the product issuer when you acquire or nominate a financial product (but not a mortgage, loan or other finance) through the YourShare website. Depending on the product, this commission may be an upfront commission paid once when you first acquire the financial product, or a trail commission, paid annually at each anniversary of the date you acquired the financial product, or both. All commissions are calculated as a percentage of the price you pay to acquire the financial product. Ziel Two pays to YourShare all the commission Ziel Two receives from the product issuer.

Authorised Representative of QBE

Yourshare receives a commission from QBE calculated as a percentage of the premium you pay (excluding taxes and charges) when you acquire a QBE insurance policy through Yourshare, including at each renewal of that policy.

Types of Commission

As a general guide, YourShare receives the following commission types in respect of the listed products:

• Managed funds, Superannuation and Pensions – an upfront commission when you first acquire the product and trail commission paid annually;
• Master trust and Wrap accounts – upfront commission when you first acquire the product and trail commission paid annually;
• Life, TPD, Trauma, Income protection insurance – upfront commission when you first acquire the product and trail commissions
• General Insurance Policies (Home and Contents Insurance, Car Insurance & CTP green slips, Landlords Insurance and Travel insurance) – Upfront commissions only when you purchase the policy and each year on renewal;
• Direct Share Trading - trail commissions only.
• Agribusiness funds and structured products - an initial commission and an ongoing trail commission.

YourShare pays to Ziel Two a monthly fee of $7500 in respect of the support Ziel Two provides to YourShare under the Ziel Two licence.

We do not charge you a fee for the use of the website You may request details of the commission or other benefits we receive within a reasonable time after you receive this FSG, but before YourShare provides any financial service to you.

For members who joined on 19/10/2009 or later, YourShare refunds to you up to 100% of initial commissions. YourShare also refunds to you trailing commissions as set out in the following table:

For members who joined before 19/10/2009, YourShare refunds to you 100% of initial commissions. YourShare also refunds to you 50-70% of the trailing commissions.

You can switch between cash back models at your discretion. To switch between cash back models please contact the YourShare customer service team on 1300 554 774 or customer.service@yourshare.com.au

Important Associations

Our directors are also directors of Ziel Two. We do not have any associations with any product providers.

Our professional indemnity insurance

Ziel Two has professional indemnity insurance in place which covers us for any errors or mistakes relating to our financial services. This insurance meets the requirements of the Corporations Act and covers the services we provide even after we cease to be an authorised representative of our licensee provided we notify the insurer of the claim when it arises and this is done within the relevant policy period.

Complaints And Dispute Resolution

Customer satisfaction is a priority at YourShare. If you have a complaint, please contact us directly on 1300 554 774, and we will endeavour to resolve your complaint as quickly as possible. We value our customers greatly, and believe that the best type of business is repeat business generated by happy customers and referrals.

If your complaint is not resolved to your satisfaction, please put your complaint in writing to us at our head office at GPO Box 394, Sydney, NSW, 2001, and mark to the attention of the YourShare Customer Relations department.

Lastly if you have not received a satisfactory response from YourShare within 40 days of the date of your written complaint, Ziel Two and QBE are members of the Financial Ombudsman Service (FOS), an external dispute resolution scheme. You can access this scheme for free and any decisions they make is binding on us but not on you. You can lodge a dispute on their website at www.fos.org.au or you can call them on 1300 780 808.

Your Privacy

YourShare value your privacy as much as you do. YourShare uses the information you provide to allow you to access and manage your investments and other financial products. All information you provide is held in strictest confidence. YourShare only provides this information to the product issuers of the products you wish to acquire. We do not trade, rent or sell your information. You can check the information we hold about you at any time. YourShare subscribes to the Federal Privacy Act and the National Privacy Principles as laid down by the Office of the Privacy Commissioner of Australia. To read the complete YourShare Privacy Policy, please go to www.YourShare.com.au.

Contact Details

YourShare

Phone: Call YourShare on 1300 554 774. Monday to Friday. 8:00am - 6:00pm AEST

Fax: Fax YourShare on 1300 553 443

Post: Write to YourShare at GPO Box 394, Sydney, NSW, 2001

Send an email to customer.service@YourShare.com.au

Authorising Licensees