Millennium 3 Financial Services Partners MEET YOUR ALIGNED

Millennium 3 & Financial Services Partners MEET YOUR ALIGNED LICENSEES National Manager – Business Growth & Strategic Alliances Tony Mantineo 0405357634

ENVIRONMENTAL FACTORS IMPACTING ADVICE BUSINESSES Competitors - Evolution of existing New Technology Streamline process Facilitate new entrants - Emergence of new Changing Regulations Erosion of Trust Increasing media, Political and Regulatory scrutiny Challenging Business Models Increasing Litigation Changing Demographics - Ageing Population - Asset Transfer Consumers Low Financial Literacy Apathy Demands & Expectations Information -> Insight, Education

A CHOICE OF LICENSEES Our licensee networks are Financial Services Partners and Millennium 3. Backed by the central resources of ANZ Wealth, each licensee offers a market -leading level of business expertise and professional support. ANZ Wealth Financial Services Partners Millennium 3 Founded: 1999 Founded: 1996 FUM: $2. 9 b# FUM: $5. 5 b# Insurance in force: $89 m# Insurance in force: $245 m # Advisers: 166* Advisers: 335* Practices: 116* Practices: 244 *

ANZ WEALTH – ALIGNED LICENSEE OVERVIEW AFSL Licensee Our Vision Our Mission Millennium 3 believes that great financial advice transforms lives. We will; • Partner in your development • Help you build a great practice • Provide you with the systems, programs and processes to keep you safe • Create an environment of trust, openness and transparency • Build, foster and nurture our community Millennium 3 will be the chosen business partner for great financial advice businesses and in doing so, be crucial to advisers, their clients and our broader business. To be the chosen licensee business partner for progressive, professional self employed advice firms and their clients. Financial advice and planning to help clients create a brighter future. ® We value; • Knowledge and innovation • Delivering best of breed services • Accountability • Choice and transparency • Responsiveness to both client and adviser needs • Adviser Inclusion • Supporting adviser positioning into niche markets

ALIGNED LICENSEE OPTIONS • ~ 244 advice practices and 335 advisers excluding Elders¹. • ~ 116 advice practices and 166 advisers. • Adviser Value Proposition: • • M 3 is one of the largest dealer groups in the market place with deep ties to the General Insurance market. Through these relationships M 3 has become a leading risk business with a strong wealth capability. Through its scale, M 3 offers advisers the leadership, resources and the right connections to succeed. FSP is a full service, boutique dealership renowned for innovation, its unique peer network, personal and tailored support and lead generation capability in niche markets. Enablement functions Advice Delivery Advice Research 5 Note: 1. Elders operates under its own AFSL (i. e. not under Millennium 3) Marketing

ALIGNED LICENSEES STATISTICS AND AWARDS Award winning and category leading Adviser footprint • 2 AFSL’s, operating nationally and owned by One. Path. • ~ 500 Authorised Representatives. QLD / NT 25% WA 9% SA 9% NSW / ACT 28% VIC / TAS 29% # 1 in insurance productivity (in-force premium per Adviser) – Millennium 3 (2016). # 1 in investment productivity (investment net flow per Adviser) – Financial Services Partners (2016). Operating Model • Financial Advisers typically own and run independent practices and may run their own unique business brands or leverage the Licensee brand under which they are authorised. • Aligned advisers and their support staff are not employees of ANZ/One. Path entities. • Licensees charge fees for the provision of support services to assist with the operation of an advice business such as business coaching, compliance, technology, advice research, technical services and marketing. 6

MILLENNIUM 3 Millennium 3 is one of Australia’s largest and most established communities of financial and life insurance advisers. With a proud heritage, Millennium 3 has been partnering with advisers to build successful financial planning businesses for more than 30 years. We know what it takes to run a great business and we understand that every business is unique. Today we work with more than 330 advisers across the country. We’re passionate about supporting each and every one to build their business and help clients achieve their financial and lifestyle goals Let us partner with you on your journey. At Millennium 3 we offer the leadership, resources and support your need to deliver the highest quality advice to your clients, while reaching your own business targets. We are backed by the strength of ANZ and have capabilities in investments, risk, and selfmanaged super. So our advisers can offer both risk protection and investment advice to clients, and we support them with the right connections. OUR DNA Our roots are in small business Our success is backed by big business Our passion is growing your business

MILLENNIUM 3 – LICENSEE OFFER Strategic Priorities Your P&L Strength & Growth Your Safety Your Efficiency Our Community Licensee Services • • • Advice Systems & Process Insurance PPP Client Lead Generation Technical Services Acquisition & Succession Compliance Support • • • Education and Training Chief Investment Office Marketing and Communications – own brand Practice Management Remuneration Services Rewards and Culture Fee for Service • PI Insurance • Extended Acquisitions Support • Peer Groups • Conferences and Events • Software Costs (Xplan) • Tailored Marketing Offers Premium Partner • Full Wealth APL • Platform Choice (2 providers) • Risk Insurance APL Choice (6 providers) • 40% Xplan discount on Licensee pricing • 20% PI Insurance discount • $20, 000 PI insurance cap • 1 paid delegate at National & State Conference • Access to specialist Consulting Services • Access to specialist Lead Generation programs Partner • Full Wealth APL • Platform Choice (8 providers) • Risk Insurance APL Choice (11 providers) • 40% Xplan discount on licensee pricing

FINANCIAL SERVICES PARTNERS • The combined strength and experience of the FSP Group, One Path and its parent ANZ, delivers market-leading services to enable advisers to create a competitive client value proposition, that is based on the following three guiding principles: 1. Collaborative Partnering 2. Reputation 3. Excellence Our advisers have a real voice in our business Our collective reputations in the market place Support services that are not only of the highest calibre but add value to your business Adviser input into business strategy is paramount, evidenced by inclusion of advisers on our: • Investment committee • Life Risk council • Wealth Sales committee • Conference committee • Client newsletter editorial committee • Advisory board We genuinely care about the experiences our firms deliver to their clients- this is a fundamental component of our brand. We will work hard to protect and enhance our brand by focusing on the experiences of both our adviser and your clients. We offer a multi brand strategy including: licensee brand, own brand or co-branding options. Financial Services Partners has become an industry leader in providing quality assistance to our advisers as evidenced by being awarded Coredata/professional planner Licensee of the year in 2016. Finalist Coredata Licensee of the year 2017. Support focused on increasing: • the quality of the service and advice you provide your clients • the efficiency of your business • your brand presence in the market • the qualifications, skill and experience of you and your team • the overall value of your business to both you and your clients.

FINANCIAL SERVICES PARTNERS – LICENSEE OFFER Strategic Priorities Niche Lead Generation and sensible growth Operational excellence Adviser productivity and efficiency Managing risk Licensee Services • • Advice Systems & Process Insurance PPP Client Lead Generation Technical Services Acquisition & Succession Compliance Support Education and Training • Strategic alliances • Chief Investment Office • Marketing and Communications – multi-brand options, licensee brand, own brand, co-brand • Practice Management • Remuneration Services • Rewards and Culture Fee for Services • PI Insurance • Extended Acquisitions Support • Peer Groups and networking Core offer • Full Wealth APL • Onepath/Oasis Platform • Risk Insurance APL Choice (6 providers) • Conferences and Events • Software Costs (Xplan) • Tailored Marketing & digital client engagement tools Extended offer Full Wealth APL • Platform Choice (circa 8) • Risk Insurance APL Choice (11 providers) In both offers • • • Xplan discounted PI Insurance fixed cost per AR Access to specialist Consulting Services Access to specialist Lead Generation programs Transition support • Waiver process available to meet best interest requirements • Mercer, Morningstar & Lincoln research costs included • Revenue bands indexed by CPI each year • 50% of rebates payments received by FSP are shared with eligible firms