Hc Finance Group Pty Ltd

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

provide general financial product advice only, for the following classes of financial products:

deposit and payment products limited to:

basic deposit products;

interests in managed investment schemes excluding investor directed portfolio services; and

securities;

deal in a financial product by:

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

derivatives restricted to derivatives utilised for the management of financial risk (hedging) which only have the purposes of;

management or mitigation of the financial consequences of particular circumstances happening; or

avoiding or limiting the financial consequences of fluctuations, in or in the value of, receipts or costs (including prices and interest rates);

interests in managed investment schemes excluding investor directed portfolio services; and

securities; and

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 limited to:

basic deposit products;

deposit products other than basic deposit products;

derivatives restricted to derivatives utilised for the management of financial risk (hedging) which only have the purposes of;

management or mitigation of the financial consequences of particular circumstances happening; or

avoiding or limiting the financial consequences of fluctuations, in or in the value of, receipts or costs (including prices and interest rates);

general insurance products;

interests in managed investment schemes excluding investor directed portfolio services; and

securities; and

provide the following custodial or depository services:

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

to wholesale clients.