What is a Financial Services Guide?

This Financial Services Guide (FSG) is a document to help you understand and
decide if you wish to use the financial services that we provide our clients.
It contains the following information:

• Who we are.
• How to contact us.
• What financial services we are authorised to provide to you.
• The costs of any services we may provide to you.
• How our staff and any other relevant parties are paid and any
       remuneration that may be received by these parties.
• Any relationships we have with any other organisations affiliated with us or
       with product issuers, which might influence us in providing financial services
       to you.
• How complaints are addressed.
• Our compensation arrangements.

About Us

We provide foreign exchange services for wholesale clients. We provide spot foreign
exchange contracts and forward foreign exchange contracts. Further information about the spot and forward foreign exchange products are set out in our Product Disclosure Statement (PDS).
You will not be provided with any personal financial product advice by Seven Oaks Capital. Any
advice we provide to you is general advice only, and does not take into account your specific
needs or objectives. All of our commentary, statements of opinion and recommendations in
relation to financial products have been prepared without taking into account your personal
objectives, financial situations or needs. It is up to you to decide whether or not you want to
use our products, and you must read our PDS before making any decision.
You will not receive a Statement of Advice from us. You will be provided with a PDS when we
provide you with financial products and you open an account with us. The PDS describes our
products, and sets out details of those products, such as their risks, benefits and costs.

The Financial Services we are authorised to provide

We are authorised to offer the following financial services to wholesale
clients.

1) General financial product advice in relation to:
– Non cash payment products; and
– Foreign exchange contracts
This means that we can provide general advice regarding these products and their features.
Where we do so, we will not take into account your personal circumstances, and you will need
to determine whether or not the products are suitable to your personal situation or
circumstances.

2) Deal in a financial product by issuing, applying for, acquiring, varying or disposing of a
financial product:
– Non cash payment products; and
– Foreign exchange contracts

This means that we can undertake ‘dealing activities’, which are transactional services (such
as buying and selling) in relation to the products we offer.

3) Deal in a financial product by applying for, acquiring, varying or disposing of a financial
product on behalf of another person in foreign exchange contracts.
This means that we can undertake ‘dealing’ activities on behalf of another person (for
example, our clients, or another service provider).

Privacy

The privacy of your information is very important to us. We have practices which include the
secure storage of personal information and safeguards against the accidental release of
personal information.
You will be required to provide us with certain information to enable us to comply with our
obligations under Australia’s Anti-Money Laundering & Counter-Terrorism Financing laws.
We handle all information provided to us in accordance with our Privacy Policy.
You can obtain a copy of our Privacy Policy at sevenoakscapital.com.au or by emailing us.

How to contact us

You can get in touch with us through the contact details at the top of this FSG.
If you wish to instruct us to provide you with financial services, you can do so through our
website, on the phone, or in person. When you do this, you will be subject to our Terms and
Conditions, which are available on our website. You will be required to undergo our customer
onboarding procedure, including by assisting us to establish your identity and completing our
customer registration.

How are we paid?

The revenue we generate is based on a margin. The margin is a difference between the
wholesale exchange rate we have access to and the exchange rate we offer you. The amount
of the margin depends on a number of things, including the frequency of trading, availability
of the currency you are buying or selling, market volatility, the value of the transaction, and
prevailing interest rates.
We may also charge other fees associated with your transactions, such as a transfer fees and
telegraphic transfer fees. These fees, which may be varied from time to time and will be
published on our website and disclosed to you before you are provided with any services by
us.

How do our people and related third parties get paid?

Our directors and employees who provide the financial services described in this FSG
are remunerated by way of salary and other employee benefits. They may also be
eligible for a discretionary bonus based on their performance both financial and nonfinancial and whether the clients are wholesale or retail. Employees may also be
rewarded by monetary and non-monetary benefits. It is not possible to determine in
advance what (if any) additional benefits any employee will receive as these benefits
are not generally attributed to any particular product or service they provide.
If you have been referred to us by another party, that other party may receive an
introducer fee and/or an ongoing commission on every transaction. This fee will vary
depending on circumstances but will be fully disclosed to you upon request. It will
typically be a percentage of the revenue earned by Seven Oaks Capital on a particular trade or
contract that you enter into with us. That percentage will vary according to our
agreement with the introducing party (or referrer).
You may request further details of the fees and benefits (including any commissions)
that may be payable at any time by contacting us. If you wish to request further details
about the remuneration and benefits set out in this document, you should do so
within a reasonable time after receiving this document and before we provide any
services to you.

Complaints and Disputes

If you are not satisfied with any aspect of the service that has been provided by us or with our
complaints handling process, you are entitled to complain. We have established procedures
to ensure that all enquiries and complaints are dealt with. Please contact our Complaints
Manager on:
Phone: (02) 9262 3248
Email address: enquiries@sevenoakscapital.com.au
Postal address: FAO: Complaints Manager, Suite 108, Level 13, 365-377 Kent Street, Sydney NSW 2000, Australia