1. About This Financial Services Guide

This Financial Services Guide (FSG) is designed to help you decide whether to use the financial services offered by Stable Securities Pty Ltd. It contains important information about:

• Who we are and how to contact us
• The services we are authorised to provide
• How we (and others) are remunerated
• How we deal with complaints
• Our privacy policy

2. Who We Are

Stable Securities Pty Ltd is a corporate authorised representative of [Licensee Name], which holds Australian Financial Services Licence (AFSL) number XXX XXX. [Licensee Name] is responsible for the financial services provided by Stable Securities.

3. Financial Services We Provide

We are authorised to provide the following financial services to wholesale clients:

• Dealing in interests in managed investment schemes (construction lending funds)
• Providing general financial product information
• Arranging for the issue of interests in our investment products

We do not provide personal financial product advice.

All information provided is general information only and does not take into account your individual objectives, financial situation, or needs. You should consider whether the information is appropriate for you and seek personal advice before making investment decisions.

4. Who Are Our Services For?

Our investment products are available only to wholesale clients as defined in section 761G of the Corporations Act 2001. This includes:

• Persons with net assets of at least $2.5 million
• Persons with gross income of at least $250,000 per annum for each of the last two years
• Persons who invest at least $500,000
• Professional investors and sophisticated investors

5. How We Are Paid

Stable Securities earns fees from the lending margin between the return paid to investors and the interest charged to borrowers. Specifically:

No Direct Fees to Investors: Investors do not pay entry fees, exit fees, or ongoing management fees. All fees are built into the lending structure, and the returns quoted are net of all fees.

Related Entity: Stable Capital Pty Ltd, a related entity, receives fees for loan origination, administration, and servicing. These arrangements are conducted on commercial arm's length terms.

6. Remuneration to Others

We may pay commissions or fees to third parties who refer clients to us, including:

• Financial advisors: Up to 0.5% per annum of funds under management
• Introducers: One-off payments up to 1% of invested capital

All remuneration arrangements comply with ASIC guidelines and are disclosed to you where required. These payments are made by Stable Securities and do not reduce your investment returns.

7. Associations and Relationships

Stable Securities Pty Ltd has the following material associations:

• Sister company relationship with Stable Capital Pty Ltd (loan originator and servicer)
• Common directors and shareholders between Stable Securities and Stable Capital
• Authorised representative relationship with [Licensee Name] AFSL XXX XXX

These relationships allow us to provide a comprehensive service from capital raising through to loan management. We maintain appropriate controls to manage any conflicts of interest arising from these relationships.

8. Conflicts of Interest

We have policies and procedures to identify and manage conflicts of interest. These include:

• Maintaining separate entities for investor-facing and borrower-facing activities
• Independent Credit Committee approval for all loans
• Arm's length transactions between related entities
• Disclosure of material conflicts to investors
• Prioritising investor interests in decision-making

9. What You Should Do Before Investing

Before making an investment decision, you should:

1. Read the Information Memorandum and all disclosure documents
2. Consider whether the investment suits your objectives and financial situation
3. Seek independent financial, legal, and taxation advice
4. Ensure you understand the risks of investing
5. Verify that you meet wholesale investor criteria
6. Ask us questions about anything you don't understand

10. Complaints and Dispute Resolution

We are committed to resolving complaints fairly and efficiently. If you have a complaint:

11. Professional Indemnity Insurance

[Licensee Name] maintains professional indemnity insurance that covers the financial services provided by us as an authorised representative. This insurance satisfies the requirements of section 912B of the Corporations Act and covers claims relating to the conduct of representatives who no longer work for us.

12. Privacy

We collect and handle personal information in accordance with our Privacy Policy and the Privacy Act 1988. Our Privacy Policy explains how we collect, use, disclose, and protect your personal information. You can access our Privacy Policy on our website or request a copy by contacting us.

13. Compensation Arrangements

[Licensee Name] is a member of AFCA (membership number XXXXXX). If you have a complaint that is not resolved to your satisfaction, AFCA may order [Licensee Name] to pay compensation up to certain limits.

14. Further Information

If you would like more information about our services or this FSG, please contact us: