C LIENT INFORMATION S UMMARY

PRIVATE&CONFIDENTIAL

PREPAREDFOR:

MrJobe&MrsEllaWatson

04March2013

JosephSmith SeniorFinancialAdviser|LatrobeStrategic
OFFICE EMAIL WEB +61398417850 info@Latrobestrategic.com.au www.Latrobestrategic.com.au

IMPORTANTNOTICETOCLIENT In order for us to prepare our formal recommendations regarding your financial affairs, we must have reasonable grounds for making those recommendations. This means that Latrobe Strategic must conduct an appropriate investigation as to the investmentobjectives,financialsituationandparticularneedsofthepersonconcerned. The information requested in this form is necessary to enable a recommendation to be made on a reasonable basis and will beusedforthatpurposeonly. You should allow 12 hours to properly complete this questionnaire. We cannot stress how important that time will be in properly planning your future standard of living. If you have any queries or do not understand a question, then ask your advisorforanexplanation.

FinancialServicesGuide
WehaveprovidedyouwithaFinancialServicesGuide(FSG) FSGVersion DateIssuedtoCustomer FSGIssuer February2013 17 Apr 2013 Smith,Joe

Reference
YouhavebeenreferredtoLatrobeStrategicby:Smith,Joe

S E C T I O N 1 YO U R G OA L S A N D O B J EC T I V ES
Thereasonsforseekingadvice.

JobeandEllaWatsonhaveapproachedyoutoassistthemwithsomefinancialplanningadvice.Jobeisearninga goodlevelofincomeandtheirfamilyiscurrentlyenjoyingaverycomfortablelifestyle.However,JobeandEllaare anticipatingfurtherexpensesoverthenextfewyearswiththeirtripletsonsenrollinginthelocalprivateprimary schoolcommencingatthestartof2014.Thecoupleisconcernedwhatimpacttheprivateschoolfundingand Jobeshighriskcareerwillhaveontheirabilitytosaveandinvestforthefuture.JobesemployertheEssendon footballClubcontributestheconcessionalcontributionlimitof$25,000p.a.toJobessuperfundhoweverEllahas notworkedfor5yearssoisnotcontributinganddoesnothavemuchinthewayofsuperannuation.Thecouple hasrecentlyseenreportsthatindicatethatuponretirement,incomeneedsaregenerallytwothirdsofpre retirementincome.Giventheircurrentneeds,theyestimatethattheywillrequirearound$2.5mofaccumulated super.However,giventheircurrentbalances,theydonotseehowtheywillbeabletoaccumulatesufficient funds.TheWatsonsfeelthattheycoulddowithsomefinancialplanningadvice.

Objective SavingsPlans Whos Jobe&Ella Priority High Youwishtoprovideforthefutureprivateschooleducationforthetriplet'sstartingprimaryschoolin2014.Youanticipateyou willrequire$20,000perchildpafor7yearsofprimaryschooleducation. RetirementPlanning Jobe&Ella High Youwishtoretireon$100,000ofpassiveaftertaxincomecombined.Youhavesuggestedthat$2.5millionistheamountyou wishtoaccumulateinSuperannuationforretirementbasedonanetreturnof4%p.a. TaxationStrategies Jobe Medium Jobe'sannualincomeisstronghoweverasignificantportionislosttotaxation.Jobewishestoreceiveadviceonstrategiesto lowerhistaxpositionandimprovehiscapacitytoretirecomfortably. RetirementPlanning Jobe&Ella High YouwishtoreviewyourSuperannuationaffairswithaviewtoensuringthatyourinvestmentselectionisappropriateandthat Ellahasaplantoincreaseherretirementbalancegoingforward. 03years $ 5+years $ 5+years $ Timeframe 03years TargetAmount $

ConfidentialClientQuestionnairePrepared for:

Jobe&EllaWatson

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S E C T I O N 2 P E R S O N A L D E TA I L S
TITLE SURNAME GIVENNAMES PREFERREDNAME DATEOFBIRTH MARITALSTATUS ATWHATAGEWOULDYOULIKETORETIRE? CLIENT Mr Watson Jobe Jobe 20Apr1983 Married 55 PARTNER Mrs Watson Ella Ella 20Aug1981 Married 57

ContactDetails
HOMEADDRESS POSTALADDRESS (ifnotsameashome) HOMEPHONENo. WORKPHONENo. FACSIMILENo. MOBILENo. EMAILTOBEUSEDFORCORRESPONDENCE PREFERREDFORMOFCORRESPONDENCE Jobe@EFC.com.au Email Email JOBE 0398417850 ELLA 20NapierStreet EssendonVIC3562 DETAILS

Dependants
NAME D.O.B FINANCIALLYDEPENDENT DEPENDANTUNTILAGE

John Josiah Moses

05/01/2009 05/01/2009 05/01/2009

Yes Yes Yes

18 18 18

HealthDetails
SMOKER PRIVATEHEALTHINSURANCE GENERALSTATEOFHEALTH
ConfidentialClientQuestionnairePrepared for:

JOBE No Yes Excellent

Jobe&EllaWatson

ELLA No Yes Excellent

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RELEVANTDETAILS

EstatePlanning
YouhavechosennottodiscloseyourEstatePlanningdetails

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S E C T I O N 3 C O R P O R AT E E N T I T I E S
DetailsofCorporateEntities,ifany,havenotbeendisclosed.

ConfidentialClientQuestionnairePrepared for:

Jobe&EllaWatson

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SECTION4INCOME&EXPENDITURE

Employment
OCCUPATION: TITLE: EMPLOYMENTSTATUS: INDUSTRY: EMPLOYERNAME: EMPLOYERSGC: SALARYSACRIFICEAVAILABLE: FUTUREEMPLOYMENTCHANGES? DETAILSOFFUTUREEMPLOYMENT CHANGES: JOBE ProfessionalSportsPerson ProfessionalFootballer AFL EssendonFootballClub $25,000 N/A RetirementfromFootballin3years timeandseekingapotentialroleina StockBrokingfirm HomeDuties Unknown N/A ELLA

Income
ITEM OrdinaryWages Investment:Interest Investment:DividendsSharePortfolio(Fully FrankedDividends) TotalIncome OWNER Watson,Jobe Watson,Jobe Watson,Jobe AMOUNT $300,000.00 $1,000.00 $3,200.00 $304,200.00

Expenses
ITEM MortgagePayments OtherExpenditureLivingExpenses TotalExpenses OWNER Jobe&Ella(Joint) Jobe&Ella(Joint) AMOUNT $28,700.00 $100,000.00 $128,700.00

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S E C T I O N 5 S U P E R A N N U AT I O N D E TA I L S

S u p e ra n n u a t i o n
NetwealthSuperNo:DateCommenced:
BENEFICIARY EllaWatson

OWNER:Jobe
ANNUAL CONTRIBUTIONS 0.00 DEATH $0.00 INSURANCECOVER TPD $0.00

STATUS Active

TYPE Accumulation

SUPPLIER

IP $0.00

TOTAL BALANCE $250,000

AsgardSuperNo:DateCommenced:
BENEFICIARY JobeWatson

OWNER:Ella
SUPPLIER ANNUAL CONTRIBUTIONS 0.00 DEATH $0.00 INSURANCECOVER TPD $0.00

STATUS Active

TYPE Accumulation

IP $0.00

TOTAL BALANCE $50,000

Re t i r e m e n t I n c o m e
DetailsofRetirementIncome,ifany,havenotbeendisclosed.

ConfidentialClientQuestionnairePrepared for:

Jobe&EllaWatson

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SECTION6INSURANCES
DetailsoflifeInsuranceshavenotbeendisclosed GeneralInsurance HOME&CONTENTS HEALTH MOTORVEHICLE MORTGAGE OTHER No No No No No

ConfidentialClientQuestionnairePrepared for:

Jobe&EllaWatson

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SECTION7ASSETS&LIABILITIES

PersonalAssets
ASSETS LiquidAssetsCashonHand InvestmentsStocks SharePortfolio(FullyFrankedDividends) RealEstatePrimaryResidence NapierStreet LifeStyleHouseholdContents LifeStyleMotorVehicle TwoCars Retirement Superannuation Superannuation TotalPersonalAssets OWNER Jobe Jobe Jobe Jobe&Ella Jobe&Ella Jobe Ella ASSETVALUE$ $200,000.00 $100,000.00 $700,000.00 $100,000.00 $100,000.00

$250,000.00 $50,000.00 $1,500,000.00

Liabilities
LIABILITY:PrimaryResidenceMortgage
ORIGINAL AMOUNT$ $310,000.00 INTERESTRATE% 6.50% LOANTERM (20) ASSET RealEstate/Primary Residence NapierStreet

Jobe&Ella
ASSETVALUE $700,000.00 NETPOSITION$ $390,000.00

TotalLiabilities

$310,000.00

ConfidentialClientQuestionnairePrepared for:

Jobe&EllaWatson

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SECTION8REFERENCES

S E C T I O N 9 A D D I T I O N A L I N F O R M AT I O N

Thecoupleareseekingtoacquireaninvestmentproperty:

TheinvestmentpropertywillbeownedbyJobeandcost$600,000withasettlementdateof01/07/2013 atwhichtimetheWatsonswillrequireadepositof20%andwillborrowtherest.Thedepositwillbe fundedfromthecouplessavingsaccount. Theinvestmentloanisinterestonlyatavariablerateof6.3% Propertyrunningcostswillbe$2,000p.a.anddepreciationis$10,000fortheyear.Rentalincomeis estimatedat4%ofthevalueoftheproperty.Assume5%annualgrowthinthevalueoftheproperty.

SECTION10DISCLOSURE
PrivacyDisclosure DisclosureandConsentforLatrobeStrategic(includingprovisionforconsenttocollectionofsensitiveinformation) Latrobe Strategic (we) is an Authorised Representative of University Financial Planning Pty Ltd. We are required to have reasonable grounds for making an insurance or investment recommendation. We collect your personal information to provide you with investment advisory services. That information may include sensitive information (such as health information). By completing and submitting the declaration below you consent to us collecting sensitive information from you. We may also disclose your personal information to the provider of a financial product when you request us to submit an application for that productonyour behalf.Ifanypart ofyourpersonalinformation isnotprovided,we maynot beable to provide youwith these services.

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S E C T I O N 1 1 C L I E N T A U T H O R I S AT I O N
YourDutyofDisclosureJobe&EllaWatson

Any advice and recommendations we give you relies on a proper study of your current financial position. You risk making a financial commitment to products or investments that may not be appropriate to your current financial position and needs shouldtheanswerstoquestionscontainedwithinthisdocumentbeincompleteorinaccurate. In addition, you should tell us about anything else you know, or a reasonable person in the circumstances could be expected to know,whichwouldberelevanttoourrecommendations. If you disagree with or do not understand any question or advice given, please contact your Adviser Latrobe Strategic or alternativelyrefertoyourFinancialServicesGuide. ClientDeclaration We acknowledge that we have received, read and fully understood Latrobe Strategic Financial Services Guide & PrivacyPolicy.

We give permission for our related tax file number(s), as provided to be held by my adviser, an authorised representativeofLatrobeStrategic,tobeforwardedtofinancialinstitutionsasrequestedorasnecessaryand/orto beretainedonourfile.

WegivepermissionforourpersonalfinancialinformationbeingforwardedtoourAccountant/TaxAgent,Bankeror Solicitorasrequestedbyusfromtimetotime.

Weherebydeclarethattheinformationsetoutinthisformistrueandcorrecttothebestofourknowledge. Weunderstandanyrecommendationswillbebasedsolelyontheinformationsuppliedinthisform.

Signed: ____________________________________________________ JOBE WATSON Date: _______/________/_______

Signed: ___________________________________________________ ELLA WATSON Date: _______/________/_______

FinancialPlannerDeclaration WearesatisfiedthatwehaveobtainedalltherelevantinformationinthisFinancialAnalysistoenablemetoprovidespecific recommendationsbasedonyourfinancialsituation,personalgoalsandparticularneeds.

Signed: ____________________________________________________ JOSEPH SMITH Date: _______/________/_______

ConfidentialClientQuestionnairePrepared for:

Jobe&EllaWatson

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