FINANCIAL SERVICES GUIDE

The financial services referred to in this FinancialServices Guide (FSG) are offered by:

Rose Stanton InsuranceBrokers Pty Limited(Rose Stanton)ABN 44 081 209 369

AFS Licence No: 245555

Address: Suite 104, Level 1, 3Eden Street, North Sydney NSW 2060

MailingAddress:PO Box 379, Cammeray, NSW 2060

Phone: Local call 1300 665311

Fax: Local call 1300 884711

Email: insure@rosestanton.com.au

Website: www.rosestanton.com.au

This FSG sets out the services that we can offer you. It is designedto assist you in deciding whether to use any of those services and containsimportant information about:

· the services we offer you.

· how we and others are paid.

· any potential conflict of interestwe may have.

· our internal and external disputeresolution procedures, and how you can access them.

· arrangements we have in place tocompensate clients for losses.

LACK OF INDEPENDENCE

Why we are not independent, impartial, or unbiased in relation to the provision of personal advice and the impact of this on you.

We, Rose Stanton Insurance Brokers Pty Limited, are not independent, impartial, or unbiased pursuant to section 923A of the Corporations Act because:

- We may receive remuneration, commission, gifts or other benefits when we provide personal advice to you in relation to insurance products and other financial products; and/or

- We may have associations or relationships with issuers of insurance products and other financial products.

Further information about these benefits and relationships is set out in this Financial Services Guide.

If you have any questions about this information, please ask us.

Furtherinformation when personal advice is given

We willprovide you with further information whenever we provide you with advice whichtakes into account your objectives, financial situation and needs. Thisinformation may include the advice that we have given you, the basis of theadvice and other information on our remuneration and any relevant associationsor interests. This information may be contained in a statement of advice (SOA).

When youask us to recommend an insurance policy for you, we will usually only considerthe policies offered by the insurers or insurance providers that we deal withregularly. In giving you advice about the costs and terms of recommended policieswe have not compared those policies to other policies available, other thanfrom those insurers we deal with regularly.

Product Disclosure Statement

If weoffer to arrange the issue of an insurance policy to you, we will also provideyou with, or pass on to you, a Product Disclosure Statement (PDS), unless you already have an up todate PDS. The PDS will contain information about the particular policy whichwill enable you to make an informed decision about purchasing that product.


From when does this FSG apply?

This FSGapplies from 1st of July 2021 and remains valid unless afurther FSG is issued to replace it.

How can I instruct you?

You cancontact us to give us instructions by post, phone, fax, email, visit our officeor via the website, our details are noted at the beginning of this FSG.

Who is responsible for the financial services provided?

RoseStanton Insurance Brokers Pty Limited is responsible for the financial servicesthat will be provided to you, or through you to your family members, includingthe distribution of this FSG.

RoseStanton Insurance Brokers Pty Limited holds a current Australian FinancialServices Licensee no. 245555. The contact detailsfor Rose Stanton are at the beginning of this FSG.

What kinds offinancial services are you authorised to provide to me and what kinds offinancial product/s do those services relate to?

RoseStanton Insurance Brokers Pty Limited is authorised to advise and deal ingeneral insurance products (for example: home and contents, motor vehicle,professional indemnity and public liability) to wholesale and/or retail clients.We will do this for you as your broker unless we tell you otherwise.

Will I receive tailored advice?

Maybe not inall cases. However, we may need information about your personal objectives,details of your current financial situation and any relevant information, sothat we can arrange insurance policies for you, or to give you advice aboutyour insurance needs. We will ask you for the details that we need to know.

In some cases,we will not ask for any of this information. If we do not ask, or if you do notgive us all of the information we ask for, any advice you receive may not beappropriate to your needs, objectives and financial situation.

You shouldread the warnings contained in any SOA, or any other warnings that we give you,carefully before making decisions about an insurance policy.

Where weprovide you with advice about your insurance arrangements, that advice iscurrent at the time that we give it. We will review your insurance arrangementswhen you inform us about changes in your circumstances, or upon renewal of yourinsurances.

Contractual Liability and yourinsurance cover

Manycommercial or business contracts contain clauses dealing with your liability(including indemnities or hold harmless clauses). Such clauses may entitle yourinsurers to reduce cover, or in some cases, refuse to indemnify you at all. Youshould seek legal advice before signing and accepting contracts. You shouldinform us of any clauses of this nature before you enter into them.

What information doyou maintain in my file and can I examine my file?

Wemaintain a record of your personal profile, including details of insurancepolicies that we arrange for you. We may also maintain records of anyrecommendations or advice given to you. We will retain this FSG and any otherFSG given to you as well as any SOA or PDS that we give or pass on to you forthe period required by law.

We arecommitted to implementing and promoting a privacy policy, which will ensure theprivacy and security of your personal information. A copy of our privacy policyis available on request or on our website at www.rosestanton.com.au

If youwish to look at your file, please ask us. We will make arrangements for you todo so.


How will I pay for theservices provided?

For eachinsurance product the insurer will charge a premium that includes any relevanttaxes, charges and levies. We often receive a payment based on a percentage ofthis premium (excluding relevant taxes, charges and levies) called commission,which is paid to us by the insurers. However, in some cases we will also chargeyou a fee. These will be shown on the invoice that we send you. You can chooseto pay by any of the payment methods set out in the invoice. You are requiredto pay us within the time set out on the invoice.

If thereis a refund or reduction of your premium as a result of a cancellation oralteration to a policy, or based on a term of your policy (such as a premiumadjustment provision), we will retain any fee we have charged you.

We willalso retain commission depending on our arrangements with the insurer, orcharge you a cancellation fee equal to the reduction in our commission.

When youpay us your premium it will be banked into our trust account. We retain thecommission from the premium you pay us and remit the balance to the insurer inaccordance with our arrangements with the insurer. We will earn interest on thepremium while it is in our trust account or we may invest the premium and earna return. We will retain any interest or return on investment earned on thepremium.

How are anycommissions, fees or other benefits calculated for providing the financialservices?

Ourcommission will be calculated based on the following formula:

In this formula: X = Y% x P

X

= our commission

Y%

= the percentage commission paid to us by the insurer. Our commission varies between 0% and 26.5%.

P

= the amount you pay for any insurance policy (less any government fees or charges included in that amount).

Any feethat we charge you will depend on the complexity of the services we areproviding.

We do notoften pay any commissions, fees or benefits to others who refer you to us orrefer us to an insurer. If we do, wewill pay commissions to those people out of our commission or fees (not inaddition to those amounts), in the range of 0% to 20% of our commission orfees.

Ouremployees that will assist you with your insurance needs will be paid a marketsalary.

If we giveyou personal advice, we will inform you of any fees, commission or otherpayments we, our associates or anyone referring you to us (or us to anyinsurer) will receive in relation to the policies that are the subject of theadvice.

See belowfor information on the Steadfast association and commission.

Do you have any relationships or associations with the insurers whoissue the insurance policies or any other material relationships?

RoseStanton Insurance Brokers Pty Limited is a Steadfast Group Limited (Steadfast) Network Broker, and some directorshold shares in Steadfast. As a Steadfast Network Broker, we have access toservices including model operating and compliance tools, procedures, manualsand training, legal, technical, HR, contractual liability advice andassistance, group insurance arrangements, product comparison and placementsupport, claims support, group purchasing arrangements and broker supportservices. These services are either funded by Steadfast, subsidised bySteadfast or available exclusively to Steadfast Network Brokers for a fee.

Steadfasthas arrangements with some insurers and premium funders (Partners) underwhich the Partners pay Steadfast a fee to access strategic and technologicalsupport and the Steadfast Broker Network. Steadfast is also a shareholder of some Partners.

Youcan obtain a copy of Steadfast's FSG at www.steadfast.com.au

Ifwe arrange premium funding for you, we may be paid a commission by the premiumfunder. The commission that we are paid by the premium funder is usuallycalculated as a percentage of your insurance premium (including government feesor changes). If you instruct us to arrange or issue a product, this is when webecome entitled to the commission.

Ourcommission rates for premium funding are in the range of 0% to 4%offunded premium. When we arrange premium funding for you, you can ask us whatcommission rates we are paid for that funding arrangement compared to the otherarrangements that were available to you.

We may receive additional remuneration fromthe premium funder based agreed sales or volume. The remuneration payable mayvary and is not guaranteed.

In some instances, our employees may receivegifts or other benefits, in the form of hospitality or entertainment, frominsurers or premium funders. These benefits are usually one of and do notinfluence our decision on where we place business.

What should I do if Ihave a complaint?

1. Contactus and tell us about your complaint. We will do our best to resolve it quickly.

2. Ifyour complaint is not satisfactorily resolved within 5 days, please contact SteveRose on local call 1300 665 311 or put your complaint in writing/email and sendit to him at the Rose Stanton address noted at the beginning of this FSG. We will try and resolveyour complaint quickly and fairly.

3. Rose Stanton Insurance Brokers Pty Limited is a member of the AustralianFinancial Complaints Authority (AFCA). If your complaint cannot be resolved toyour satisfaction by us, you have the right to refer the matter to the AFCA. AFCAprovides fair and independent financial services complaint resolution that isfree to customers. The AFCA can be contacted at:

Mailing Address – Australian Financial Complaints Authority, GPO Box 3 Melbourne Vic3001

Ph - 1800 931678

Email - info@afca.org.au

Website - www.afca.org.au

CodePractice

RoseStanton InsuranceBrokers Pty Limited is a member of the National Insurance Brokers Association(NIBA) and is bound by their Code of Conduct. We also subscribe to theInsurance Brokers Code of Practice, the code sets minimum service standardsthat you may expect from us. A copy of the Insurance Brokers Code of Practicecan be found on NIBA’s websitehttps://www.niba.com.au/html/code-of-practice.cfm

What arrangements do you have in place to compensateclients for losses? Rose Stanton Insurance Brokers Pty Limited has a professional indemnityinsurance policy (PI policy) in place.

ThePI policy covers us and our employees for claims made against us and ouremployees by clients as a result of the conduct of us or our employees in theprovision of financial services. Our PI policy will cover us for claimsrelating to the conduct of representatives who no longer work for us.

Thispolicy satisfies the requirements for compensation arrangements under section912B of the Corporations Act.

Anyquestions?

If you have any further questionsabout the financial services Rose Stanton Insurance Brokers Pty Limited provides, please contactus.

Please retain this importantdocument for your reference and any future dealings with Rose Stanton.



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