Member Guide 2014 Volume 1 | Page 10

Discretionary protection products are provided by Capricorn Mutual Limited (“CML”) (ACN 104601 194) (AFS Licence 230038). You should consider CML’s product disclosure statement (“PDS”) before deciding whether any discretionary protection product offered by CML is right for you and in deciding whether to apply for such product. To find out more, email [email protected] or visit www.capricornmutual.com.au. For your insurance needs Capricorn Insurance Services (CIS) was established and gained its own General Insurance Broking License in June 2013. Established to offer Members trusted insurance broking services to compliment the existing CML product offer, CIS and CML can assist all Member Risk Protection or Insurance needs. Where a Members’ risk is outside the CML product offering, CIS can provide personal advice to Members. For insurance that may be arranged through Capricorn Insurance Services Pty Ltd (ACN 154 801 377) (“CIS”) (AFS Licence 435197) you should consider the relevant PDS before deciding if the terms of that insurance cover is right for you and in deciding whether to apply for such policy. Please ring 1800 007 022 (Australia) or 0800 555 303 (New Zealand) to obtain a copy of the PDSs for discretionary protection offered by CML (you can also visit www.capricornmutual.com.au) or discuss insurance cover offered through CIS. Capricorn Finance We can help you with a range of stress free finance products, including equipment finance, commercial finance, motor vehicle finance, home loans, investment finance and more. 10