Quick Guide for theAccelerator

Cash AccountNOT FOR DISTRIBUTION

ORD MINNETT INTERNAL USE ONLY

Disclaimer

This information is only for internal distribution to Ord Minnett staff authorised to work with the Accelerator Cash Account and Terms Deposit products for Australian residents.

Accelerator Cash Account and Term Deposit are products of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (CBA) and are administered by Australian Investment Exchange Limited ABN 71 076 515 930 AFSL 241400. Fees and charges apply. Please consider the General Information Statement and full terms and conditions available on application.

This information is not advice or an offer and has been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, any individual should, before acting on this information, consider the appropriateness of the information, having regard to the individual’s objectives, financial situation and needs and, if necessary, seek professional advice. We believe that the information herein is correct at the time of its compilation but we make no warranty as to the accuracy, reliabilityor completeness of that information. Except to the extent that liability cannot be excluded by law no liability for any loss or damage which may be suffered by any person, directly or indirectly, through relying upon any information or statement in this presentation is accepted by the Commonwealth Bank of Australia ABN 48 123 123 124 or any of its directors, employees or agents, whether that loss or damage is caused by any fault or negligence on their part or otherwise.

3

Table of contents

CBA contact sheet

Features

CBA ACA origination

CBA TD origination

Online transactions

Manual transactions

Client online experience

5

6

7

13

14

23

24

CBA contact sheetContact ListYour first point of contact for any origination, enquiries and transactions are your dedicated Relationship Managers.Please note if Giri or Chris is away, the other RMs will be more than happy to assist. All origination forms are located at: commsecadviserservices.com.au/ordminnett

Relationship Manager State Contact Details

Giri Sathasivam

Chris Chandradjaya

NSW, ACT, Victoria and South Australia

Queensland

Mobile: 0477 382 500 Email: giri.sathasivam@cba.com.au

Mobile: 0459 869 775Email: chris.chandradjaya@cba.com.au

Direct Line: 1800 252 351(Silent Option 8 – Option 3)

Direct Line: 1800 252 351(Silent Option 8 – Option 2)

Business Development Staff State Contact DetailsMartyn JohnstonNational Sales Manager, Stockbroking National, NSW Mobile: 0417 288 960

Email: johnstm@cba.com.au

Chris HillState Manager Queensland Mobile: 0424 147 628

Email: hillc@cba.com.au

Robert CollenderState Manager Victoria Mobile: 0487 320 769

Email: robert.collender@cba.com.au

Robert CollenderState Manager South Australia Mobile: 0487 320 769

Email: robert.collender@cba.com.au

Jason SivyerState Manager NSW (Ords Newcastle) Mobile: 0410 664 924

Email: jason.sivyer@cba.com.au

Jay FelipeBusiness Development Manager ACT Mobile: 0409 747 893

Email: jay.felipe@cba.com.au

Robert CollenderState Manager WA

Mobile: 0487 320 769Email: robert.collender@cba.com.au

5

The ACA is a full featured cash hubfor investors, SMSFs and their advisers.

• No monthly account keeping fees

• Interest calculated daily, paid monthly

• Competitive interest rate*

• Client access through NetBank, CBA Branches, Keycards & Cheque Book

• Easy online management of client funds (Funds transfer, Scheduled Payments, BPAY)

• Account opening support

• Access to open a Term Deposit from funds held in ACA

• Backed by CBA and protected under Australian Financial Claims Scheme (FCS)1

* Please contact your RM for current interest rates1 Entitlement to payment under the FCS will depend on your clients’ circumstances

Features

6

CBA ACAorigination

Guide

NOTE: If the Adviser is not registered with CommSec Adviser Services, they will need to complete the New Adviser form and eSubmit this together with certified copy of ID and their Authorised Representative letter from the Ord Minnett Compliance team

Step 1:Ensure you go to www.commsecadviserservices.com.au/ordminnettto obtain the latest version of the application form(Including Smart PDF version), terms and conditions,and general information statement. Complete all mandatoryfields of the application and sign declarations along with clients.

Step 2:New clients must be provided the following documents with the ACA application:

• General Information Statement

• ACA Terms and Conditions

• Electronic Banking Terms & Conditions

• International Transfer Fees

8

Application tips

• Existing clients of the Commonwealth Bank who establishedan account post 2008, may not be required to provideadditional identification documents

• Identification documents are not required as long as the client(s) name, address, DOB, email, and contact details on the application match their existing CBA profile

• If your client(s) meet the above criteria, please leavethe identification section blank

All Advisers who complete this section with the clientwill have transactional access to the ACA

Existing CBA clientsAuthorised Representativeand Adviser Authority to operate

Note that Adviser Assistants can only have view accessAdviser Assistants will have to complete the Additional Adviser formand use eSubmit document uploader via the CAS website to uploadthe form along with any required supporting documentation(i.e. certified valid photo identification)

9

Once your application is complete use eSubmit document uploader viathe CAS website to upload the application along with any required supporting documentation (i.e. Client identification).

Login and select E-Submit from the ‘Administration’ tab

• Select New Form• Enter Form ID 3050 or 3051 - ACAO-ORD: Accelerator Cash Account

Application Form (Ord Minnett)• Enter Reference (i.e. name of the application)• Upload the application via ‘Drag & Drop’ or by browsing the folder where

application is scanned and saved.• Enter the following note to give the Adviser Assistant view access

before submitting:“ Please give (Name of Adviser Assistant and username) view access to this ACA”

• Real time confirmation once the ACA application is submitted successfully

If all areas of the application are complete accurately, we will endeavourto open the account within 48 hours.

NOTE: There may be periods where an influx of application forms are received, and the time frame may be longer. If an account needs to be urgently opened, contact your Relationship Manager

For all follow ups, rework or missing information, you will be notified by Relationship Manager via email.

Once the ACA has been established, the adviser will receive an email confirmation. As soon as you are able to view the account details on the Adviser Portal, email the BSB & account number to Ords New Accountsto link this to the client’s equities account.

• Client will receive a Welcome letter (emailed or mailed)with the ACA account details

• New NetBank Customers: They will receive an email with the Client• Number and an SMS with a temporary password

Password expires within 28 days of receipt• Existing NetBank Customers: The new ACA account will be automatically linked

to the customers existing NetBank Log in• Should clients have any issues with NetBank, including resetting passwords,

they should contact NetBank on 132221 or visit a CBA branch with valid photo ID (Refer to Accelerator CashAccount NetBank Tips)

eSubmit

10

Mandatory sections commonly missed1. Tax Residency Information – Each country has different rules which govern tax residency. For individuals, these rules are often based on whether

their home is there, the time they spend there, or if they work there. If the client is unsure about their tax residency, they should seek professional advice. Clients can be a tax resident of more than one country. Clients should list all their countries of tax residency and their TIN for that countryor if no TIN is available, select a reason code.

2. Applicant’s email address and contact number(s)

3. Job /Company/Trust, industry, category and type must be completed as per the classification list:https://www.commsecadviserservices.com.au/media/105698/cas1058_jobs_and_industry_classification_list.pdf

4. Is the Company operating as a charity?

5. Is the Company’s primary business activity investing?

6. Beneficial Owner Details is mandatory for Proprietary/Private Companies

7. Is the trust operating as charity and if so the type of charity

8. Settlor of trust information is required for all trust types except SMSF and Testamentary trust

9. Is the trust’s primary business activity investing?

11

Application types not accepted

As a Business rule CommSec Adviser Servicesdo not accept the following ACA applications

• Foreign Residents without an Australian residential address

• Trusts with Trust Deeds established outside of Australia

• Foreign Companies

• Non-standard client types such as Partnerships, Incorporatedor Unincorporated Associations or Cooperatives

Why?

• Heightened risk due to the complexity of the respective structures

12

CBA Term Deposit (TD)

Term Deposit Request Template

ACA Number

Account name

Term (1 to 60 months)

Investment amount ($)

Interest rate (%)

Interest payment frequency Interest paid at maturity

Interest payment Option(linked ACA or Compound to Term Deposit)

Maturity Instructions(Full withdrawal into ACA or rollover)

Contact your Relationship Manager for a Term Deposit quote. Any quote we provide will be indicative and valid up to 3pm that day only.

To invest in a new TD, there must be available funds in the client’s ACA. To rollover an existing CommSec Adviser Services TD, Advisers who have transact authority on the ACA can email the Relationship Manager with the rollover instructions up to 6 days out from the date of maturity.

Once the client accepts the TD quote and has sufficient funds in the ACA,only the Adviser that has the “Authority to Operate” on the ACA can emailthe Relationship Manager the following details ( Dealer Assistants can sendthe email as long as the Adviser with “Authority to Operate” is CC’d).

1.

2.

3.

Client might also have to complete the respective Common Reporting Standards from (https://www.commsecadviserservices.com.au/media/129420/7037_individual_tax_residency_self_certification.pdf orhttps://www.commsecadviserservices.com.au/media/129417/7038_organisation_tax_residency_self_certification.pdf)if the entity has not previously provided the CRS information

You will need to refer your clients to the latest Term Deposits General Information and Terms and Conditions applicable even on renewal

Adviser will receive the details of the TD confirming the set up or renewal

Note that clients may request withdrawal of all or part of funds depositedprior to the maturity date provided that they give the Bank 31 Days notice $30 prepayment administrative fee will apply

4.

5.

6.7.

13

Onlinetransactions

The “Find Client” page will give youthe option to search, filter and sortyour clients’ ACA and Term Deposits

Locating clients

15

Clicking “Select Action” will give you the option to view your clients’ portfolio, see a summary of their transactions, and transfer funds online

Locating clients

16

• Funds transfer• BPAY• Recurring scheduled payments• View, Amend and Cancel

scheduled payments• Transfer History, view online

transfers completed by associated adviser and the status

Onlinecapabilities

17

To transfer funds online click “Select Action” then select“Funds Transfer” from the drop down menu box

Alternatively you can navigate to the Funds Transfer screenby clicking “Administration” located in the top menu bar and selecting“Funds Transfers”

Transfer to Nominated and Non-nominated Accounts

• When making an online Funds Transfer you have the optionto transfer to either a nominated or non-nominated account

• Nominated accounts are perfect for any accounts you will be transferring client funds to on a regular basis while non-nominated accounts are great for one-off or irregular transfers

• The benefit of nominating an account is all the account details are saved in the system, eliminating the need to enter in BSB and account details each time

• Nominated accounts are also pre-approved, removing the needto authorise each transfer, allowing for a more seamless, faster transfer. Add up to 10 nominated accounts per client

How to Add a Nominated Account

• To add a nominated account, your client must complete, signand return a Direct Credit Nomination form

18

• You can create:

• One-off Funds Transfer to a New or Nominated account within Australia

• A reoccurring scheduled payment • A one-off BPAY payment

• Any funds transfer to a new, non-nominated account will require an SMS code to be entered in.

• All BPAY payments require an SMS code

• All transfer types will initiate a confirmation emailto the Primary adviser and client(s) email address.

• You can schedule payments for clients weekly, fortnightly, monthly, and quarterly.

Scheduled transfers

19

Scheduled transfersTo view scheduled Transfers, go to the“Scheduled Transfers” Tab

• Advisers can only Amend or Cancel the scheduled payment when the status is “Active”

• Amend the amount, description end dateand frequency

NOTE: For amendments to the account details, cancel the exiting scheduled payment and complete a new request

20

To assist in managing your clients finances, the transaction category functionality allows you to set a category for each transaction on the ACA

• Select “Clients” > “Financial Transactions”.

• Search and select the required client to view Transactions

• Select the green ‘plus’ symbol next to the transactionand select a pre-defined category or select ‘other’to create a specific category

• Easily search for transactions by keyword, transaction type, amount, date range and category filters

• Note that clients will not see the categoriesthat the Adviser has created

Categorisingtransactions

21

ReportingThere are various reportingfunctions available for advisers

22

Manual transactionsAdvisers that have ‘Authority to Operate’ can conduct online transactionson behalf of their clients within these limits:

• $30,000 daily per ACA

• $200,000 daily per adviser

For amounts above these limits: Adviser (with the authority to operate)to complete and sign the fund transfer form before emailing this to your Relationship Manager.

The cut off for manual transfers is 3:00 pm daily. For transfers over a million dollarsand international transactions, we have to verbally confirm the transaction with the client over the phone.

For all international transfers,

a. We will require additional information (currency, swift code, destination bank, etc).

b. The client must sign the request with the additional information.

c. RM will confirm the transaction with the client over a recorded phone line.

d. Fees apply.

23

Client OnlineExperience

NetBank

NetBank iPhone app

NetBank is a multi-award winningClient Banking site that offers:• True real-time banking

• The ability to nickname accounts e.g. ORDS Cash

• The ability to hide accounts to avoid mistakese.g. SMSFs

• State of the art Android/iPhone and tablet apps

Client experience (NetBank)

25

To register for NetBank, client/s will need a valid mobile number and email address.

Request via client ACA application form, or sendan email request to your Relationship Manager.

Once registered client will receive;

• An email with their NetBank Client Number; and• A text message with the temporary password

(valid for 28 days)

Using NetBank for the first time?

1. Go to CommBank.com.au/NetBank2. Log on using client number and temporary

password3. Set your own password4. Create your secret questions and answers5. Accept the Electronic Banking Terms

and Conditions

NetBank

26

Clients can manage their daily transaction limits online using NetBank,over the phone or in a CBA branch

Online Transfer BPAY International MoneyTransfer (IMT)

NetBank $20,000 $100,000 $5,000

Phone $100,000 No Limit $50,000

Branch $100,000 $50,000

Clients forgot their Password?

• They can call NetBank on 132 221 or visit a branch

• Alternatively, if the client holds a Keycard, they can reset the password online

Transaction limits

27

* Transaction limits are subject to change. Please refer to the Electronic Banking Terms & Conditions.

• Once the client logs into NetBank,click on “More” > “Organise Accounts”

• Clients can Nickname the ACA accountto e.g ‘ORDS CASH’

• The changes will be reflected when the client goes into their Home Page on NetBank

Nicknaming accounts

28

Thankyou