Australian Unity Funds Management Limited

This licence authorises the licensee to carry on a financial services business to:

provide general financial product advice to retail clients for the following classes of financial products:

deposit and payment products including:

basic deposit products;

deposit products other than basic deposit products; and

non-cash payment products;

derivatives;

foreign exchange contracts;

debentures, stocks or bonds issued or proposed to be issued by a government;

interests in managed investment schemes including:

investor directed portfolio services;

securities; and

superannuation;

provide financial product advice to wholesale clients for the following classes of financial products:

deposit and payment products including:

basic deposit products;

deposit products other than basic deposit products; and

non-cash payment products;

derivatives;

foreign exchange contracts;

debentures, stocks or bonds issued or proposed to be issued by a government;

interests in managed investment schemes including:

investor directed portfolio services;

securities; and

superannuation;

deal in a financial product to retail and wholesale clients by:

issuing, applying for, acquiring, varying or disposing of a financial product in respect of the following classes of financial products:

derivatives;

foreign exchange contracts;

life products limited to:

life risk insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds; and

interests in managed investment schemes excluding investor directed portfolio services;

applying for, acquiring, varying or disposing of a financial product on behalf of another person in respect of the following classes of products:

deposit and payment products including:

basic deposit products;

deposit products other than basic deposit products; and

non-cash payment products;

derivatives;

foreign exchange contracts;

general insurance products;

debentures, stocks or bonds issued or proposed to be issued by a government;

life products limited to:

life risk insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds;

interests in managed investment schemes including:

investor directed portfolio services;

securities; and

superannuation; and

underwriting to retail and wholesale clients:

interests in managed investment schemes;

operate the following kinds of registered managed investment schemes (including the holding of any incidental property) to retail and wholesale clients in its capacity as responsible entity:

schemes which only hold the following types of property:

derivatives;

direct real property;

financial assets; and

mortgages; and

IDPS-like schemes; and

provide the following custodial or depository services to retail and wholesale clients:

operate custodial or depository services other than investor directed portfolio services.