Important InformationV5 May 2016

Notes and DisclaimerTerms used in the Investment Profi le Document have defi ned meanings and you should refer to ‘Defi ned Terms’ on Page 24.

HarbourSide Capital Pty Ltd is the issuer of this documentation. HarbourSide Capital is the Manange account operator of the HarbourSide Capital Funds Management investment strategies.

Neither HarbourSide Capital, nor their associates or directors guarantee the success of the investment strategies, the repayment of capital or any particular rate of capital or income return.

HarbourSide Capital Pty Ltd (ACN 166 765 537) is a Corporate Authorised Representative (AR Number 448 907) of HLK Group Pty Ltd (ACN 161 284 500) which holds an Australian Financial Services Licence (AFSL 435746).

Any advice provided previous to a Statement of Advice (SOA) is general advice only and is based solely on consideration of the investment or trading merits of the fi nancial products alone, without taking into account the investment objectives, fi nancial situation and particular needs (i.e. fi nancial circumstances) of any particular person. Before making an investment or trading decision based on the advice, the recipient should carefully consider the appropriateness of the advice in light of his or her fi nancial circumstances and should carefully review the PDS regarding the relevant fi nancial product as provided by your investment broker.

How to contact us:If you have any questions, please contact HarbourSide Capital as follows:

HarbourSide Capital Pty Ltd Suite 801, 3 Spring Street, Sydney NSW 2000

Phone: +61 (02) 9432 7850

Email: info@hscapital.com.au

HarbourSide Capital Managed AccountsThis Investment Profi le Document contains important information and you should read it carefully before making a decision to open a Managed Account.

Electronic Versions of the Investment Profi leThis document is available on the internet at www.HarbourSideCapital.com.au in electronic format. Any person receiving this documentation electronically who requests a paper copy will be sent documentation to include account opening forms from HarbourSide Capital.

Updated InformationInformation which is not materially adverse to Investors may be subject to change from time to time and will be updated on HarbourSide Capital’s website at:www.HarbourSideCapital.com.au

If you require a paper copy of any updated information, please contact HarbourSide Capital.

Treatment of Overseas ApplicantsApplicants residing in countries outside Australia should consult their professional advisers as to whether any Governmental or other consents are required, or whether any other formalities need to be observed to enable them to open an account. Failure to comply with the applicable restrictions may constitute a violation of securities laws.

Restrictions on the distribution of documentationDistribution of this Investment Profi le Document outside Australia may be restricted by law. This Investment Profi le Document is not intended to, and does not constitute an offer of securities at any place which, or to any person to whom, the making of such offer would not be lawful under the laws of that jurisdiction.

How to InvestInvestors may open accounts for the specifi c investment strategies by completing an Application Form and sending it to HarbourSide Capital.

About HarbourSide Capital HarbourSide Capital is an Australian based company.

HarbourSide Capital Capital’s principal aim is to provide solid long-term performance, in our more active strategies above that of the overall market, while protecting your capital in unstable market conditions. If you are seeking an investment as an alternative to the traditional investment vehicles, HarbourSidel Capital should be considered for your investment portfolio.

The HarbourSide Capital Investment Strategies offer clients access to a unique quantitative approach to investing. By operating a computerised trend-monitoring system, HarbourSide Capital Capital identifi es shares that show potential to provide positive returns. The system detects key starting points for significant price movements, trends and increases in volatility. When a buy signal is generated, HarbourSide Capital will also generate a stop value. If the stock falls below that signal the system will then generate a sell.

This takes the guess work out of when to buy, hold or sell a falling stock.

About an Managed AccountA Managed Account (MA) is just what it says - an investment portfolio that is managed for a client by a professional manager who recommends to that client when to buy and sell securities and derivatives based on the client’s stated investment strategy and/or objectives.

Unlike managed fund investors, the portfolios of HarbourSide Capital’s MA clients are not pooled with the money of other clients, they always remain separate.

TransparencyThe holdings of HarbourSide Capital’s MA clients are registered in, or remain in, their own name. MA investors enjoy greater fl exibility and control than with a managed fund. With HarbourSide Capital’s service, clients know exactly what positions they hold, and can follow them as much or as little as they wish, without the burden of selection and/or portfolio administration.

The ebb and fl ow of informationManaged fund investors generally receive quarterly statements listing the number of units they own in the fund’s common pool of investments and the value of those units at the end of the period. They may also receive details of some, but not all, of the fund’s investments. They are usually not provided with any further information.

An investor in an HarbourSide Capital MA, on the other hand can access daily & monthly statements detailing each position in the investor’s account and market value.

More detailed reports will be provided quarterly and full reports half yearly.

FlexibilityHarbourSide Capital recognises that client needs and objectives can change over time and, as that happens, the strategies for each client can also be changed without the client having to pay potentially signifi cant exit and entry fees to managed fund operators.

Fees and Other CostsThe information in the tables following is required by law and is designed to help you better understands the fees and costs associated with the Managed Accounts and the Strategy.

This table shows fees and other costs that you may be charged (inclusive of GST). These fees will be deducted from your Managed Account. You should read all of the information about fees and costs, as it is important to understand their impact upon your investment.

Type of Fee or Cost Amount

Australian Income

PEPSIncome

Accelerator

AustralianGrowth

Balanced

AustralianGrowth

Aggressive

US MarketGrowth

Aggressive

Fees when your money moves in or out of your Managed Account

Establishment fee: The fee to open your investment. $249 $249 $249 $249 $249 $249

Contribution fee: The fee on each amount contributed to your investment. 2% 2% 2% 2% 2% 2%

Withdrawal fee: The fee on each amount you take out of your investment. Nil Nil Nil Nil Nil Nil

Termination fee: The fee to close your investment. Nil Nil Nil Nil Nil Nil

Annual Management Costs

Account Management fee: The platform operator service charges 0.66% 0.66% 0.66% 0.66% 0.66% 0.66%

Investment Management Fee:The fee your investment/portfolio manager charges

0.85% 1.2% 1.35% 1.35% 1.35% 1.35%

Performance fee: To ensure returns to HarbourSide Capital are based upon performance.

Nil Nil Nil15% of positive

performance

20% of positive

performance

20% of positive

performance

Annual Account Maintenance Fee(ongoing advice is included)

0.19% 0.19% 0.19% 0.19% 0.19% 0.19%

Other CostsTransaction fee of 0.34% or $10 min (whichever is greater) per ASX equity trade, $45 per option trade, or $2.80 per option contract, whichever is greater.

Management Fee is Payable: Percentage of net liquidation value applied on a daily basisPerformance Fee is applied to the mark-to-market P&L (positive or negative) at the end of each day. Any changes made to the specifi ed percent during a period will only be applied on a forward looking basis and will not be applied retroactively. If at the end of the billing period the accumulated fee calculation is negative, no fee will be charged. The billing period will be Quarterly as of 3/31, 6/30, 9/30, and 12/31. Fees will be posted 10 days after the close of a quarter. This means that the Performance Fee will not apply to any quarter in which a trading loss is sustained.

Completing the Application FormDocumentation should be completed and returned to HarbourSide Capital.

To open an HarbourSide Capital Managed Account, we need to review your circumstances and needs to ascertain if your chosen strategy is suitable. Upon completion of that analysis, HarbourSide Capital will provide a Statement of Advice (SOA) which will detail the investment strategy and its suitability. Applicants will need to complete a Managed Discretionary Account Contract with HarbourSide Capital. A contract is attached as part of the application form and will not be countersigned by HarbourSide Capital until such a time that the client has been presented with a SOA and authorised any investment process; and confi rmed receipt of the HarbourSide Capital Financial Services Guide (FSG). A copy of the latest FSG is enclosed.

Financial information needs to be provided to make a proper analysis of the investor’s needs. However, investors who are deemed wholesale or sophisticated investors are not required to do so. The defi nition of wholesale or sophisticated investors is included in ‘Defi ned Terms’ on Page 32.

Personal DetailsIn order for HarbourSide Capital to access your fi nancial needs and circumstances, the Application Form includes both an Investor Profi le and a Risk Profi le section. Please review our Privacy Policy for how any personal detail is used.

Note – a MDA operated by HarbourSide Capital may not be suitable to you if you have provided HarbourSide Capital with limited or inaccurate personal information about your relevant circumstances. Furthermore, the MDA may cease to be suitable if your relevant circumstances change. Your relevant circumstances must be provided by completing the Investor Profi le and you must advise HarbourSide Capital if these circumstances change in a material way.

Completing the FormInsert your name and personal details into the spaces provided in the Application Form. For joint applications the names of all applicants must be included. A company must provide its Australian Business Number or appropriate details if based overseas. Please provide information on your residency.

Correct Forms of NamesNote that only legal entities are allowed to invest in the Funds. An application must be signed in the name(s) of natural persons, companies or other legal entities acceptable to the Responsible Entity. At least one name given in full and the surname is required for each natural person. The name of the benefi ciary or any other non-registrable name may be included by way of an account designation if completed exactly as described in the examples of correct forms of registrable names below.

Type of Investor Correct form of Title Incorrect form of Title

Individual

Use given names in full, not initialsMr Colin John Green C J Green

Partnerships

Use partners’ personal names, do not use the name of the partnership

Mr Colin Green andMr Simon Green

< Colin Green and Son A/C >Colin Green and Son

Company

Use company title, not abbreviations ABC Pty Ltd ABC P/L, ABC Co

Trusts

Use trustee(s) personal name(s), do not use the name of the trust

Mrs Judith Green< Judith Green Family A/C >

Judith Green Family Trust

Clubs / Unincorporated bodies / Business names

Use offi ce bearer(s) personal name(s), do not use the name of the club, etc.

Mr Simon Green< ABC Bowling Association A/C >

ABC Bowling Association

Superannuation Funds

Use the name of the trustees and fund, so not use the name of the fund only

Mr Colin John Green andMrs Judith Hilary Green

< C & J Green Super Fund A/C >

C & J GreenSuperannuation Fund

Privacy PolicyHarbourSide Capital Pty Ltd

The information we collect Personal information is collected for the purpose of developing and establishing a fi nancial services relationship with you. The information we collect from you will only be the essential information needed for us to effectively perform our services and duties to you. Without your personal details we may not be able to supply these services.

The Corporations Act and general law require that when an investment adviser provides an investment recommendation he or she must have reasonable grounds for making that recommendation. This means the investment adviser must conduct an appropriate investigation of your fi nancial situation and your particular needs and objectives. Any information requested by your fi nancial adviser is necessary to enable them to make recommendations on a reasonable basis and will be used for that purpose.

We will not collect, use or disclose any personal information from you revealing racial or ethnic origin, political opinions, memberships of a political association, religious beliefs or affi liations, philosophical beliefs, memberships of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information unless:

● you have given express consent to HarbourSide Capital Pty Ltd to do so;

● there are reasonable grounds to believe that disclosure is necessary to prevent a threat to life or death;

● the use is authorised by law or reasonably necessary to enforce the law; or

● the information is necessary for the establishment, exercise or defense of a legal claim.

How we collect informationHarbourSide Capital Pty Ltd collects your personal information through a variety of ways. This includes, information that you provide to us during meetings, information that you provide to us when you complete application forms, information that you provide to us over the telephone or internet, and information that you provide to us through a third party, such as your fi nancial planner or adviser, accountant or lawyer.

Use and disclosure of your information The information we collect from you is strictly confi dential for use by HarbourSide Capital Pty Ltd. HarbourSide Capital Pty Ltd will not reveal, disclose, sell, distribute, rent, licence, share or pass that information on to any third parties, other than: where you have consented to the disclosure; to service providers contracted to HarbourSide Capital Pty Ltd under strict confi dentiality clauses; or other market operators, clearers and product operators for the purpose, giving effect to your instructions. Disclosure to service providers may be necessary for the provision of our services to you.

HarbourSide Capital Pty Ltd may use your personal information for marketing purposes. If you wish to remove your name from our marketing mailing list please contact us at info@hscapital.com.au or on +61 (02) 9432 7850 or write to us at the address opposite.

If we wish to use any of your personal information for any

other purpose than those specifi ed in this Policy, we will not do so without your express consent. Exceptions to this include:

● where there are reasonable grounds to believe that disclosure is necessary to prevent a threat to life or health;

● where HarbourSide Capital Pty Ltd suspects that an unlawful activity is or has been engaged in;

● the use is authorised by law or reasonably necessary to enforce the law; or- in legal or dispute proceedings.

We will take reasonable steps to ensure that all information we collect, use or disclose is accurate, complete, up-to-date and stored in a secure environment that is accessible only by authorised personnel. Please assist us to keep your details up-to-date and advise us if any information appears inaccurate.

If you cease to be a client of HarbourSide Capital Pty Ltd, we may keep our records about you, including your personal information, for approximately seven years in order to comply with the legislative requirements. After that, we may destroy those records.

If we do not agree that your personal information requires correcting, we must (if you request) take reasonable steps to ensure that whenever your personal information is later accessed or handled, it is not apparent that you are not satisfi ed as to the accuracy or completeness of that information.

Access to your personal information You may access at any time any personal information that HarbourSide Capital Pty Ltd holds about you. Exceptions to this include:

● where providing access will pose a serious threat to life or health of any individual or pose an unreasonable impact on the privacy of an individual;

● providing access would reveal our intentions in relation to negotiations with you in such a way as to prejudice our position in those negotiations;

● where the information relates to existing legal proceedings between HarbourSide Capital Pty Ltd and you and the information would not be discoverable in the process of those legal proceedings; or

● where providing access would be unlawful, may prejudice an investigation of possible unlawful activity, may prejudice enforcement of laws, or denying access is specifi cally authorised by law.

If HarbourSide Capital Pty Ltd does not allow you access to your personal information, we will provide you with reasons for our decision.

To access information that is held about you please contact the Privacy Offi cer. HarbourSide Capital Pty Ltd.’s Privacy Offi cer may be contacted 9am-5pm Monday-Friday, except public holidays on +61 (02) 9432 7850 or write to HarbourSide Capital Pty Ltd at:

Privacy Offi cer,HarbourSide Capital Pty. Ltd.,Suite 801, 3 Spring Street,Sydney,NSW 2000

Application FormHarbourSide Capital Managed Accounts

Account Details

Account Name

Account Type n Individual n Joint/Partnership n Company n Super Fund n TrustCorporate Trustee if applicable

ABN / ACN if applicable Tax File Number

Applicant 1 / Director 1 / Individual Trustee 1

Title n Mr n Mrs n Miss n Ms n Other Date of Birth / /

First Names Surname

Home telephone Work telephone

Mobile telephone Facsimile

Email address

Drivers Licence No. Passport No.

Occupation Employer

Applicant 2 / Director 2 / Individual Trustee 2

Title n Mr n Mrs n Miss n Ms n Other Date of Birth / /

First Names Surname

Home telephone Work telephone

Mobile telephone Facsimile

Email address

Drivers Licence No. Passport No.

Occupation Employer

Registered Address (must not be a PO Box)

Unit No. Street No. Street Name

Suburb / City State Postcode

Country

Mailing Address (if different from above)

Unit No. Street No. Street Name

Suburb / City State Postcode

Country

Not required if investor meets the requirements of a wholesale or sophisticated investorFinancial Statement

This needs to be fi lled out with monetary values

ASSETS LIABILITIES

Cash: Overdrafts:

Properties: Mortgage:

Shares: Other Loans:

Bonds: Credit Card:

Managed Funds: Margin Lending:

Derivatives: Other Liabilities:

Other Assets:

Total Assets Total Liabilities

SURPLUS

Salary (after tax) self Rental income

Salary (after tax) spouse Investment income

Other fi xed income Total Income

Application Form (cont.)Investor Profi le

What percentage of your intended investment in the MDA will be borrowed, whether by means of bank overdraft, a margin lending facility, or other loan arrangement?

n None n Less than 25% n 25% - 50% n More than 50%

Are you reliant on returns from your MDA to meet loan interest commitments? YES NO

Are you borrowing against your family home? YES NO

Investment Objectives (tick those that apply to you):

n Tax Advantages n Hedging Speculative n Capital Preservation n Long Term Growth n Short Term Growth n Income (Yield)

RISK ASSESSMENT Low = 1 High = 10

Risk Appetite 1 2 3 4 5 6 7 8 9 10

Return Expectation 1 2 3 4 5 6 7 8 9 10

INVESTMENT EXPERIENCE Low = 1 High = 10

Shares / Securities 1 2 3 4 5 6 7 8 9 10

Futures 1 2 3 4 5 6 7 8 9 10

Options / Derivatives 1 2 3 4 5 6 7 8 9 10

Foreign Exchange 1 2 3 4 5 6 7 8 9 10

Managed Products 1 2 3 4 5 6 7 8 9 10

Fixed Interest 1 2 3 4 5 6 7 8 9 10

Please complete the following questionnaire: Tick one answer for each question which best describes your circumstance and objectives

Tick Box Question 1 For offi ce use only

Which of the following best describes your purpose for investing

n An investment horizon longer than 5 years. You understand investment markets and mainly invest for growth, to accumulate long term wealth. n

n You have surplus funds to invest and aim to accumulate long term wealth from a balance portfolio nn

You have a lump sum (e.g. an inheritance) and are uncertain about the secure investment alternative available n

n You are nearing retirement and want suffi cient funds to enjoy your retirement nn

Some specifi c objectives within the next fi ve years, for which you want to accumulate suffi cient funds. n

Tick Box Question 2 For offi ce use only

Which of the following best describes your current stage of life?

n Single, with few fi nancial burdens. nn A couple without children. nn Young family nn Mature family. Preparing for retirement nn

Retired. You rely on existing funds and investments to maintain your lifestyle and may be receive a pension. n

Tick Box Question 3 For office use only

In light of current interest rates, what return do you reasonably expect to achieve from your investments? n

n A return without losing any capital. nn Current inflation plus 2% to 4% pa. nn Current inflation plus 5% to 9% pa. nn Above 10% pa. n

Tick Box Question 4 For office use only

How familiar are you with investment markets?

n Very little understanding or interest. nn Not very familiar but would like to learn more. nn I have enough experience to understand the importance of diversification. nn

I understand that markets fluctuate and that different market sectors offer different income, growth and taxation characteristics. n

n I am experienced with all investment sectors and understand the various factors that may influence performance. n

Tick Box Question 5 For office use only

Would you ever consider derivative products as part of your investment strategy

n I would consider using derivatives as a defensive strategy and as a means of generating additional income for my portfolio n

n I would consider using derivatives as part of a defensive strategy only nn I have a good understanding of derivative products and I am interest in trading these for profit. nn Not very familiar with derivatives nn Never – I consider derivatives to be too risky. n

Tick Box Question 6 For office use only

For how long would you expect most of your money to be invested before you would need access to it?

n Longer than 7 years. nn Between 5 and 7 years. nn Between 2 and 4 years. nn Less than 2 years. n

Application Form (cont.)

Tick Box Question 7 For office use only

How stable is your current future income sources?

n Very stable nn Stable nn Somewhat stable nn Unstable nn Very unstable n

Tick Box Question 8 For office use only

Do you have any separate savings set aside for major expenses?

n I have no upcoming expenses other than my retirement living expenses nn Yes, I do have separate savings to meet my expenses nn I have a small amount of savings and a large credit card limit on my credit card for emergencies nn I have no savings, but can use my credit card for emergencies nn No, I do not have separate savings to meet major expenses n

Tick Box Question 9 For office use only

How confident are you with your investment matters?

n Not confident at all with investments and feel uncomfortable with the complexity. nn Not very confident when it comes to investment. nn Somewhat confident. I/we don’t fully understand the financial markets. nn Fairly confident. I/we understand the various factors which influence investment performance. nn

Very confident. I/we use research and other investment information to make investment decisions. I/we understand the various factors which influence investment performance. n

Application Form (cont.)

Tick Box Question 10 For office use only

Which one of the following statements describes your approach to choosing an investment?

n I would select investments that have a low degree of risk associated with them. n

n

I prefer to diversify with a mix of investments that have an emphasis on low risk. I am happy to have a small proportion of the portfolio invested in assets that have a higher degree of risk in order to achieve a slightly higher return. I am happy to accept a negative investment return of 1 in 9 years.

n

n I prefer to have a spread of investments in a balanced portfolio. I am happy to have a negative return of 1 in 7 years. n

n

I prefer to diversify my investments with an emphasis on more investments that have higher returns, but retaining a small allocation of low risk investments. I am happy to accept a negative return of 1 in 5 years.

n

n

I would select investments that have a higher degree of investment price fluctuation so that I can earn higher short term returns. I am happy to accept a negative return of 1 in 3 years in order to achieve this goal.

n

The purpose of this questionnaire is to give both HarbourSide Capital and the Investor insight into your investment personality. Knowing your investment personality and how you will react to the ever-changing financial marketplace can help you avoid mistakes. We collect information regarding your financial status to determine whether you meet the suitability criteria for any of the HarbourSide Capital Investment Strategies. The information is used to rank the investor personality. Note – a MDA operated by HarbourSide Capital may not be suitable to you if you have provided HarbourSide Capital with limited or inaccurate personal information about your relevant circumstances. Furthermore, the MDA may cease to be suitable if your relevant circumstances change.

DeclarationI declare to the best of my knowledge all of the information supplied in this application is true and complete. I also declare the following:

1. I/We have read and understood the Disclosure of Fees and Commissions.

2. I/We Have received and read the HarbourSide Capital Financial Services Guide (FSG).

By signing below, you agree to the all of the above.

Name: Name: .

Signed: Signed: .

Date: _____/_____/_____ Date: _____/_____/_____

The value of investments and the income from them may fall as well as rise and investors may not get back the full amount invested. Equity investment is subject to specific risks relating to the performance of the individual companies held and the market’s perception of their performance. Equities are also subject to systematic risks such as general economic conditions, inflation, interest rates, foreign exchange rates and industry sector risks. In general terms, equities tend to be more volatile than bonds. Investments in capital raising markets may involve a higher element of risk. Investments in smaller companies may involve a higher degree of risk as markets are usually more sensitive to price movements. This material should not be considered by the recipient as a recommendation relating to the acquisition or disposal of investments. This material does not contain sufficient information to support an investment decision and investors should ensure that they obtain all available relevant information, including the Investment Memorandum, before making an investment. HarbourSide Capital Pty Ltd (ACN 166 765 537) is a Corporate Authorised Representative (AR Number 448 907) of HLK Group Pty Ltd (ACN 161 284 500) which holds an Australian Financial Services Licence (AFSL 435746). Any advice provided previous to a Statement of Advice (SOA) is general advice only and is based solely on consideration of the investment or trading merits of the financial products alone, without taking into account the investment objectives, financial situation and particular needs (i.e. financial circumstances) of any particular person. Before making an investment or trading decision based on the advice, the recipient should carefully consider the appropriateness of the advice in light of his or her financial circumstances and should carefully review the PDS regarding the relevant financial product as provided by your investment broker.

Application Form (cont.)