IOOF. Supporting financial independence since 1846

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1 IOOF Supporting financial independence since 1846

2 At IOOF, we have been helping Australians secure their financial future since 1846 COMPANY STATISTICS ASX LISTED TOP 100 COMPANY MARKET CAP $3.8 B NO. OF CUSTOMERS 500,000 FUMAS $154.6 B NO. OF EMPLOYEES 2,000 AS AT 31 DECEMBER 2017

3 Supporting financial independence since 1846 At IOOF, we have been helping Australians secure their financial future since During that time, we have grown substantially to become a leading provider of quality financial services. As an ASX top 100 company, and with more than $154 billion in funds under management, administration, advice and supervision, we currently service more than 500,000 customers around Australia. We are now one of the largest independent groups in the industry. Our advice-led, ClientFirst philosophy coupled with a broad range of products and services means that our ability to provide tailored solutions to help advisers and their clients achieve their financial goals is unparalleled. We believe that success only comes from caring about people and providing quality service and consistent performance. At IOOF, we have a long history of partnering with other financial services organisations, as well as other advice providers throughout Australia. This ensures we always act in our clients best interests providing them with greater choice and flexibility.

4 Proud of our heritage excited by our future Height of popularity of lodges such as IOOF. Australian friendly societies cater to around half of the entire Australian population Prosperous economy with full employment. More people can afford to take out life insurance Government introduces Medicare Government introduces compulsory superannuation at 3% pa Gold rush leads to an increase in Australia s population Decline of lodge membership due to increase in Government-funded welfare services/ support Government relies on friendly societies to administer the new welfare state Tax increase introduced for life savings policies, with such policies generally declining in popularity late 50s Independent Order of Odd Fellows established in Melbourne as a friendly society, providing social security to those not provided for by the Government IOOF has a role in supporting the administration of the new welfare system IOOF starts providing life insurance IOOF is the largest friendly society in Australia, with approximately 200,000 members and $2.4b in assets IOOF voluntary medical scheme ends, IOOF agrees to act as an agent to process Medicare claims. Also sets up own dental benefits fund and medical plan to provide subscribers with chiropody, optometry and other services. IOOF establishes Winchcombe Carson Financial Planning renamed Consultum in 2006 Perennial Investment Partners, IOOF s asset management company, is established as a partnership between IOOF and key investment professionals IOOF diversifies, providing health insurance savings funds, retirement villages and travel services. IOOF is the first friendly society to sell financial products other than health insurance

5 Australia Government s compulsory superannuation rate reaches 9% pa Australia rebounds from the Global Financial Crisis at a faster rate than comparable nations around the globe Stronger Super legislation plans to introduce new default super scheme MySuper and increase compulsory super contributions to 12% pa Government s compulsory superannuation rate increases to 9.25% pa Super Reforms passed in parliament Financial Services Reform Act overhauls disclosure for financial products Simpler Super initiative announced allowing more flexibility for retirees and substantial advantages and options in the industry Several draft tranches of FoFA and My Super legislation is tabled in parliament Implementation of FoFA reforms IOOF demutualises. Focuses on investments, superannuation and retirement savings IOOF lists on ASX. IOOF acquires AM Corporation with $4b FUMA, including AM s multi investment manager (MIM) funds. IOOF launches the award winning platform Pursuit reaching $1b in FUA by April 2009 IOOF s corporate superannuation FUA reaches $5b IOOF acquires Australian Skandia and Australian Wealth Management (AWM). AWM is an amalgamation of Bridges Financial Services and Australian Executor Trustees Limited. In 2006, AWM merged with Select Managed Funds Limited. In 2008 AWM acquired 70% of Ord Minnett IOOF moves into new head office location at 161 Collins Street, Melbourne IOOF acquires DKN and the Lonsdale group IOOF Pursuit reaches $2b in FUA IOOF launches Pursuit Focus IOOF acquires Plan B (Australia and New Zealand) and MyAdviser Plan B NZ rebranded IOOF IOOF acquires SFG Australia IOOF s platforms net flows pass $1b for first time IOOF launches MySuper offering as part of IOOF Employer Super IOOF becomes a top 100 company on the ASX IOOF acquires National Australia Trustees FUMAS increases to $135b IOOF to acquire ANZ s Onepath Pensions and Investments business and Advice licencees (RI Advice, Millennium 3 Financial Services, Financial Services Partners, Elders Financial Planning * ) IOOF * Elders Financial Planning is 51% owned by Millenium 3 Financial Services.

6 Our people, your future At IOOF, our purpose is to understand our clients, look after them and help them secure their financial future. We also believe that dealing with a financial services company shouldn t be hard work. We strive to make all interactions with us simple whether it s through our call centre, using our secure online portfolio management systems or reading our regular investor statements and communications. We re keenly aware that our reputation is built on the specialist knowledge and the expertise of our people, so we go to great lengths to maintain the quality of the people we employ and to ensure our IOOF values underpin everything we do. IOOF values Commitment We do what we say we will do. We persevere in the face of challenges. Excellence Empathy Trust We search for ways to improve. We strive to exceed expectations. We listen, we feel and we care. We treat each other with respect. We act honestly, openly and reliably. And, we nurture positive working relationships.

7 Understand me. Look after me. Secure my future.

8 Our major brands Financial advice Platform management and administration IOOF PlatformConnect IOOF Employer Super IOOF Pursuit IOOF Alliances

9 As a group, IOOF is made up of a number of leading business and product brands Investment management Trustee services IOOF MultiMix IOOF MultiSeries IOOF WealthBuilder Corporate Trust Private Client Services Superannuation

10 Financial advice We believe in the value of financial advice. Whether provided through the organisations we partner with, or through our own channels, we believe financial advisers provide strong and enduring value to clients in a number of ways: By helping clients build, maintain and protect their wealth through the development and implementation of individually tailored plans that are monitored on an ongoing basis and updated as the client s circumstances change. By helping clients navigate their way through an exhaustive range of financial products and services to select appropriate solutions that fit the client s individual needs and goals. By educating clients every day, contributing to financial literacy in Australia, and giving clients and their families peace of mind about their financial future. Achieving your goals is easier with the right advice

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12 Investment and superannuation made easy

13 Platform management and administration IOOF Employer Super IOOF Employer Super is one of Australia s leading superannuation solutions servicing more than 10,000 employers and over 200,000 members. It offers a wide choice of investments including over 230 managed funds, shares and term deposits tailored insurance options, competitive fees and personalised service. IOOF Pursuit IOOF Pursuit offers a choice between Pursuit Select, our full-service platform with an extensive investment menu, or Pursuit Focus, our compact wrap that helps simplify investment selection without sacrificing quality. Both offer multiple retail insurers, group insurance, tax-effective features and smart online trading and transacting capabilities. Platform Connect At IOOF, we recognise that all clients have different needs and goals. In addition to our internal platform offering, we partner with external product providers to deliver clients a greater choice of leading platform solutions.

14 Investment management Through our investment management expertise, we offer a range of highly rated multi-manager funds that offer you an easy and effective way to diversify your portfolio. IOOF MultiMix IOOF MultiMix is our premium range of fully active funds designed to provide broad diversification and generate above-market returns. The funds are managed using an award winning and disciplined approach and gives you access to carefully selected specialist investment managers who have a proven investment edge. IOOF MultiSeries IOOF MultiSeries is a range of funds that are managed at a lower cost when compared to other active funds including the MultiMix range. You still however benefit from extensive diversification across fund managers, investment styles and asset classes. IOOF WealthBuilder Often heralded as a great alternative to super, investment bonds enable you to benefit from the tax-effectiveness you need together with the flexibility and accessibility that you want. The IOOF WealthBuilder investment bond is one of the leading investment bonds available today and it has led the way since Not only does it provide you with a genuine solution for a wide range of investment needs, it also boasts a great range of investment options and product features together with competitive fees.

15 Dedicated to maximising investment outcomes for clients

16 Helping generations of Australians grow, manage, protect and transfer their wealth

17 Trustee services Australian Executor Trustees (AET) is the trustee arm of our group and has been providing trustee services to Australians for over 135 years. Today, AET offers a range of specialist services through its three core businesses: Private Client Services, Superannuation and Corporate Trust. A highly regarded partner, AET provides essential and value-added services to wealth management practices and their clients. Private Client Services AET s specialist estate and trustee services include: Wills and estate planning estate administration trustee services for individuals and families philanthropy. Superannuation AET s self-managed super solutions: The AET SMSF is an end-to-end establishment, administration and reporting service for individuals who want to be trustee of their own fund. The AET small APRA fund is essentially an SMSF with a professional trustee. It is for the growing number of clients who want the flexibility and freedom of an SMSF but without the burden or responsibility of compliance. Corporate Trust AET s Corporate Trust division is a respected provider of corporate trustee services to the financial services industry. The core roles of the business are the provision of custody, trustee and security trustee services.

18 Committed to helping our community

19 The IOOF Foundation We re passionate about investing in programs that provide opportunities to Australia s most disadvantaged. At IOOF, we are dedicated to making an ongoing positive contribution to the communities in which we live. Through our charity vehicle, the IOOF Foundation, we have donated more than $12 million to community groups across Australia since Each year we financially support programs that focus on helping the aged, disadvantaged families, children and young people. A key area of focus for the IOOF Foundation is on supporting programs that improve financial literacy.

20 ioof.com.au Products issued by: Australian Executor Trustees Limited ABN AFSL , IOOF Investment Management Limited ABN AFSL , IOOF Ltd ABN AFSL This is a general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this document, you should assess your own circumstances or seek advice from a financial adviser. You should obtain and consider a copy of the Product Disclosure Statement available from us or your financial adviser, before you acquire a financial product. CRA