This guide aims to help you make an informed decision about the financial services and products we can provide to you as a retail client.

This guide contains important information about:

• The financial services we offer you

• Who we act for in providing these services

• How we and other relevant persons are remunerated

• Our internal and external dispute resolution process and how you can access them

Where required, you will be given a Product Disclosure Statement (PDS) before or at the time you acquire any product as a retail client. The PDS sets out the standard terms, conditions, limits and exclusions of the product to assist you in making an informed decision about whether to purchase it.

Please keep this FSG along with the PDS and other policy documents in a safe place for future reference.

Issue No: 13.0
AR FSG Version No: 13.1
Date of preparation: 31/07/2025

Name: Novated Lease Australia Pty Ltd
ABN/ACN: 69 659 639 004
Business Name(s): Novated Lease Australia
AR Number: 1316551
Address: 9/15 Blue Street, North Sydney, NSW, 2060
Contact: 1300 665 112

We are Authorised Representatives of the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850 | AFSL 234708) (“Allianz”).

Allianz Contact Details
Post: GPO Box 4049 Sydney NSW 2001
Website: www.allianz.com.au
Phone: 1300 300 573

Or by using the contact details listed on their website.

Allianz has authorised us to arrange and provide general advice on certain general insurance products issued by it.

You may be provided with these financial services by:

• One of our employees

• A person we have temporarily contracted with to provide these financial services to you

Each of these individuals will be authorised by Allianz to arrange and provide general advice on these insurance products as its Authorised Representative and to provide you with this FSG. They will inform you when this is the case.

When providing these financial services, we, our employees and contractors act on behalf of Allianz, not on your behalf.

We may also refer you directly to Allianz. If you purchase insurance from that referral, it will be arranged and issued by Allianz — not us.

It is important that you understand and are satisfied with the products we and our representatives arrange. We can give you general advice to help you decide, but we do not provide advice based on your personal objectives, financial situation or needs.

Before deciding whether to purchase the product(s), please carefully read the PDS to determine if it is right for you.

We receive a commission from Allianz each time you buy a policy (excluding Queensland and South Australia Compulsory Third Party Insurance). This includes renewals and some variations which increase the premium payable.

The commission is calculated as a percentage of the insurer’s base premium (excluding stamp duty, GST and other government taxes and levies).

If you were referred to us by a third party, we may pay them a portion of our commission. This does not add any extra cost to you.

We pay our staff and representatives:

• An annual salary

• Bonuses or other incentives based on performance, sales and business outcomes

If you are provided with financial services by an employee who is also an Authorised Representative, they may receive part or all of our remuneration.

Our temporary contractors may receive:

• A daily fee and/or

• Commission for providing financial services and other services to us

We may participate in sales incentive schemes. Allianz, motor manufacturers, motor distributors or financial institutions may provide:

• Promotional items

• Financial assistance for marketing

• Contributions towards insurance costs

• Access to business-related conferences, events or hospitality

These benefits are provided at no additional cost to you.

If you would like further information about the remuneration received from Allianz, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services.

We are required by Allianz to hold professional indemnity insurance.

Allianz is:

• A general insurer authorised under the Insurance Act 1973 (Cth)

• Supervised by the Australian Prudential Regulation Authority (APRA)

• Subject to the prudential requirements of the Insurance Act

As a result, Allianz is exempt from holding professional indemnity insurance.

Please contact Allianz directly if you would like more information about their compensation arrangements.

We are committed to handling complaints about our products and services efficiently and fairly.

Step 1 – Contact Us

We will attempt to resolve your complaint. If we are unable to do so, we will promptly refer the matter to Allianz, who will handle it in accordance with their Internal Dispute Resolution (IDR) procedures.

To obtain a copy of Allianz’s IDR process, contact us using the details on the first page of this document.

Step 2 – External Dispute Resolution

If you are not satisfied with Allianz’s decision or handling of the complaint, you may lodge a complaint with the:

Australian Financial Complaints Authority (AFCA)
AFCA is an independent dispute resolution scheme that is free to consumers.

AFCA Contact Details
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: GPO Box 3, Melbourne VIC 3001

If you need more information about our services or the products we offer, or if you have any queries, please contact us using the contact details listed on the first page of this document.

Allianz has authorised the distribution of this FSG.