The RBB Group at Morgan StanleyAdvisers in Global Wealth Strategies and Portfolio Management

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Level 14, 120 Collins StreetMelbourne Victoria 3000

61 3 9188 2335 / MAin

61 3 9188 2344 / fAx

rbb@morganstanley.com

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Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long‑term goals.

As financial advisers, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue.

Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you.

The RBB Group at Morgan Stanley

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Meet the Professionals

We believe that working as a team helps to provideyou with access to possibilities of strategies, andhelps to ensure that you benefit from the highestlevels of service. While we bring complementaryskills and perspectives to our clients, we also share a commitment to responding to your needs promptly,professionally and thoroughly. Our goal is to earnyour confidence not only through the quality ofsolutions we provide to you, but also the excellencewith which we deliver them.

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David Ross-EdwardsSenior Vice PresidentFinancial Adviser David is a Senior Vice President at Morgan Stanley who provides the RBB Group its competitive advantage with his research and analytical background and skills.

David joined Morgan Stanley in 2009 and has over 35 years experience in the Finance and Wealth Management industry having held senior advisory roles at UBS, Merrill Lynch and Deutsche Bank.

David coordinates the development of the group’s model portfolios — this involves deciphering global investment research, and tailoring this information into the investment strategies for the group’s diverse client base.

David holds a Bachelor of Commerce degree and qualified as a Chartered Accountant with KPMG. David is also an ASIC Accredited Derivatives Adviser (level II), and is a Senior Fellow of FINSIA.

david.rossedwards@morganstanley.com 03 9188 2335

Chad Brendish, CFP®Senior Vice PresidentFinancial Adviser

Chad is a Senior Vice President at Morgan Stanley who provides highly specialised strategic financial planning and investment advice.

Chad has been in the financial services industry for over 25 years and has held senior advisory roles at UBS, Merrill Lynch and Commonwealth Bank. Chad’s market knowledge and investment skills, on both domestic and global investments, are widely sought after by clients of the RBB Group.

Chad specialises in Self Managed Superannuation Fund investment ma na g ement , w it h a foc u s on providing strategic advice and portfolio management, tailoring each strategy to meet the wealth creation goals and objectives of investors.

Chad is a Certified Financial Planner, an ASIC Accredited Derivatives Adviser (level II), and is also authorised to trade in equities, globally.

chad.brendish@morganstanley.com 03 9188 2290

Nick BatrouneySenior Vice PresidentFinancial Adviser

Nick is a Senior Vice President at Morgan Stanley advising high net worth private investors, not-for-profit and charitable groups on the full range of investment solutions.

Nick joined Morg a n  St a n ley in 2009 and has over 20 years experience in the Finance and Wealth Management industry having held senior advisory roles with UBS, Merrill Lynch and Deutsche Bank.

Nick’s expertise focuses on portfolio construction, asset allocation and tailor-made investment portfolios covering all asset classes. Nick provides the RBB Group with its competitive edge through his in-depth experience in both domestic and global equities and options trading.

In addition to his economics degree, majoring in Banking and Finance, Nick is ASIC Accredited in Derivatives (level II) and is authorised to trade in equities, globally.

nick.batrouney@morganstanley.com 03 9188 2334

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Arjang TaylorFinancial Adviser

Arjang is a Financial Adviser at Morgan Stanley and focuses on tailoring multi-asset class investment solutions, including portfolio construction and trading strategies.

Arjang joined Morgan Stanley in 2009 and has over 15 years experience in the Finance and Wealth Management industry. He joined the Association of Chartered Certified Accountants in his role at Accenture London, and entered the securities industry in 2005. At Lehman Brothers, as an equity sales trader, Arjang deepened his research and analysis skill set, before transitioning to UBS Melbourne in 2007.

Arjang holds a BA (Honours) in Finance and is a member of both the Association of Chartered Certified Accountants and the Chartered Institute for Securities & Investment (UK). Arjang is also an ASIC Accredited Derivatives Adviser and is authorised to trade securities globally.

arjang.taylor@morganstanley.com 03 9188 2339

David PattersonAssociate Adviser

Since 2007, David has experienced a number of market developments covering many aspects of investment services as part of Morgan Stanley’s Operations team. In 2010, David moved to a role within the RBB Group and is currently a member of Morgan Stanley’s Associate Adviser Program.

David’s contribution to the RBB Group is his intricate knowledge of how markets work — everything from Sponsorship to Clearing and Settlements —  bolsters the group’s ability to deliver excellent client service. David’s move into providing investment advice to clients of the RBB Group is a natural progression based on his talent. David holds a Bachelor of Commerce; an Advanced Diploma of Applied Finance; and a Diploma of Japanese. Additional accreditations include ASIC Accredited Derivatives Adviser (level II), as well as meeting requirements under RG146 in Superannuation, and Margin Lending among others.

david.patterson@morganstanley.com 03 9188 2293

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Developing Your Wealth Management Strategy

Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. Moreover, we will support you and your strategy with the resources and perspective of one of the world’s largest financial firms.

1 We will discuss your current financial resources, time horizon for your goals, tolerance for risk — even how your liabilities are structured. if you own a business, we also might discuss your current banking and cash management needs.

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2 We will present a plan to help address needs such as income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. We will also recommend an asset allocation strategy reflecting your risk tolerance and investment time horizon.

3 The team will work closely with you to bring the elements of your plan to life, helping you to select from specific shares, fixed income and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio.

4 You will receive a comprehensive quarterly performance review, helping you track progress toward your objectives. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

Discover

Implement

Plan

Review

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With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you with your goals, by combining our insight into your needs with the resources of Morgan Stanley.

For Life’s Most Important Goals

Setting a confident course Thorough, thoughtful planning —  planning that analyses where you are as well as where you want to go —  is the most important step in establishing a path to your goals. We will work with you to explore and help define your ob-jectives and needs, and then structure a wealth plan that is uniquely your own.• Balance sheet analysis•Retirement planning•Education planning•Estate planning•Multigenerational planning

Managing the rewards of success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together.•Asset allocation • Investment management•Traditional investments •Alternative investments*• Structured investments*• Separately managed accounts

*Alternative and structured investments involve risk and are not suitable for all investors.

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Shaping your retirement Together we can work to make decisions that could help you move toward your retirement. Whether you are build-ing retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement.

Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organisations and activi-ties. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyse and implement a strategy that rewards you while it benefits causes you care about.

Building a unique legacy Estate planning typically brings to-gether the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your ac-countant and lawyer to help you develop a strategy to position your portfolio appropriately.

Access to Banking and Lending Services Managing personal cash and securing liquidity for personal needs and oppor-tunities can be an important part of an overall wealth management strategy. We can provide access to banking and lending services to help you address your personal cash management* and borrowing needs while thinking stra-tegically about how approaches may affect current and overall goals and objectives.•Access to banking and lending services and products•Debt restructuring • Securities-based lending

Strengthening your business The links between business owner-ship and personal wealth are many and complex. Whether your objective is to grow your business, realise its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives.•Access to banking and lending services•Cash management services*•Retirement plans • Strategic consulting and transactions • Succession planning

*The term “cash management services” does not imply that investments are managed by your financial adviser.

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You Benefit from a Profound Understanding of the Full Range of Wealth Management Needs

Investment Managementi have so many goals and priorities. How can one investment strategy balance them all?

Charitable PursuitsThe charities i support are like extended family. How do i maximise the good i can accomplish?

Estate PlanningMaking sure my estate goes to the people and organisations i care about is a priority. How do i transform my assets into a legacy?

Integrated PlanningDecisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial life and maximise the value of what i own?

Liquidityi can predict some expenses, but others i know i can’t. How can i plan to have the cash i need?

RetirementWhen i retire, it will affect just about everything that matters: my lifestyle, my company, my family. is there a way to plan for retirement that takes it all into account?

Business StrategiesHow do i manage my personal wealth with so much tied up in my company?

Risk ManagementThe ups and downs of the markets is just one kind of risk — but so is not protecting my assets and my family. How do i protect what i care about most?

Education FundingWill i be able to pay for a good education for my children — and my grandchildren?

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A COMMITMenT toEXCELLENCE

OVeR The YeARS, YOu hAVe MADe MAnY FInAnCIAL DeCISIOnS. One In PARTICuLAR IS LIkeLY TO hAVe A LASTInG IMPACT

On YOuR WeLL BeInG AnD ThAT OF YOuR FAMILY: The ChOICe OF A FInAnCIAL ADVISeR.

is precisely your own and help deliver results that meet your needs.

Your financial adviser is your advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you, delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve.

Investors who choose Morgan Stanley often tell us that their reasoning is simple. They choose a financial adviser —  and a firm —  that mirrors the values propel-ling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses.

VAST ExpEriEncE. Drawing on many years of experience, Morgan Stanley understands the importance of shaping relationships that reflect client needs, preferences and aspirations.

Our firm and financial advisers have an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. Additionally, as a truly global financial institution, we have an

equally acute knowledge of financial opportunities and the potential risks.

This combination positions us to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from creating retirement reserves to devis-ing a distribution approach that meets your lifestyle and legacy goals.

inVESTmEnT inSighT wiThouT limiTS. As a client, you have access to the strategic and tactical views of some of the world’s most seasoned and respected investment professionals. The members of our Global Investment Committee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley.

You also benefit from a premier trad-ing and execution platform. Our 210 capital markets professionals are an experienced, highly responsive and knowledgeable resource available to you.

pErformAncE ThAT SEEkS To mEET your mEASurE. Among the most im-portant skills of our financial advisers is the ability to listen: to understand your financial needs and then align the resources to help meet them. Your financial adviser can help you evaluate immediate concerns and plan for long-term goals, be a sounding board for your investment ideas, and assist you in developing and executing a strategy that

onE of ThE world’S STrongEST inVEST-mEnT orgAniSATionS STAndS BEhind your finAnciAl AdViSErfinancial Advisers have access to top-flight research from Morgan Stanley and our affiliates. Combined, they provide in-depth coverage of more than 3,000 companies all over the world.

A STrong, STEAdy forcE in A chAnging induSTry

• CEO and senior team with deep wealth management experience

• Over 75 years of experience• 800 global locations• 16,934 Financial Advisers• 6.8 million client accounts• $1.7 trillion client assets

as of February 2014

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Morgan Stanley strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you’ll benefit from personalised advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley’s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth.

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© 2015 Morgan Stanley Wealth Management Australia Pty Ltd (ABN 19 009 45 555, AFSL No. 240813), Participant of ASX Group and regulated by the Australian Securities & Investments Commission. CS 8165747 03/15

This communication is not intended as an offer or solicitation in rela‑tion to any particular Financial Product. Certain Financial Products may only be acquired through a formal offering document (such as a prospectus or PDS). In the case of such Financial Products, the information contained in this communication is qualified in its

entirety by such offering document. Investors should read the offer‑ing document carefully, in particular any section headed “Investment Considerations”, “Risk Factors” or equivalent. Any decision to purchase the Financial Products should be based solely upon the information in the offering document.