Q. Is a Margin Lending Facility and a Margin Loan the same thing?
A. No. The term Margin Lending Facility refers to your actual account structure i.e. the combination of your security and loan(s) which you manage as an investment vehicle. A Margin Loan is simply the dollar value that you can borrow using your existing shares, managed funds or cash as security.

Q. What can I use as security against my Margin Lending Facility?
A. You can use cash, shares, managed funds or master trusts which are included on the Suncorp Margin Lending Acceptable Securities List.

Q. What is an Acceptable Securities List?
A. This is a list containing a range of securities - shares, managed funds and master trusts - that Suncorp Margin Lending will accept as collateral, or security, against your Margin Lending Facility.

Q. When I borrow funds, what can I use them for?
A. You can use the funds you borrow to increase your investments in shares or managed funds or for business purposes, such as purchasing new equipment or expansion.

Q. Can I have more than one Margin Lending Facility?
A. Yes. However you need to provide separate security for each Margin Lending Facility.

Q. How do I lodge my shares as security?
A. If your existing holdings are Issuer Sponsored we require copies of your latest Issuer Sponsored Holding Statements with a request to convert these shares onto your account. If your existing holdings are currently Broker Sponsored please request your broker to transfer your shares to our CHESS sponsorship, or complete the share transfer form on our website.

Q. Can I sell the shares I lodge with you as security?
A. You may always sell any of the shares in your portfolio including those you originally lodged as security. As your broker will deliver the proceeds of the sale directly to us, the sale funds will automatically pay down your loan balance.

Q How do I buy and sell shares through my Margin Lending Facility?
A. You can buy and sell shares through the broker of your choice. You will need to advise them that your trades are to be settled through your Margin Lending facility and that a copy of the contract note must also be sent to Suncorp Margin Lending so we can settle them on your behalf.

Q. How do I buy and sell managed fund investments through my Margin Lending Facility?
A. Complete the application form included in the managed fund prospectus and return it to Suncorp Margin Lending for processing. To sell a managed fund investment, you need to complete and return a Managed fund redemption Request.

Q. How long does it take to have my Margin Lending Facility approved?
A. For an individual applicant, approval will take 24-48 hours. A company or trust applicant should allow up to 5 working days.

Q. What is my Credit Limit?

A. Your credit limit is that maximum loan balance that is permitted on your margin loan account. It is assessed based on your financial position and Suncorp Bank Credit Policy and may also be adjusted if Suncorp Bank conducts a credit re-assessment.

Q. Can I vary my credit limit?

A. Your credit limit has been assigned based on a range of factors including the financial information you provide in your application. If you feel the credit limit you have been assigned is not adequate for your investment needs, please contact an account manager on 1800 805 972 between 8:00am and 6:00pm Sydney time and we will issue you with a credit limit increase application. From 13 December 2010, you will also find the credit limit increase application online at www.suncorpmarginlending.com.au.

If your loan balance approaches your credit limit, your account manager may notify you. At this point you may apply for a credit limit increase if you wish to do so; however the increase of your credit limit is at the discretion of Suncorp Bank.

Your borrowing limit is based on the Loan to Value Ratio of the securities in your portfolio. Your credit limit is determined by your financial situation and loan requirements. Your available funds are the lesser of your borrowing limit and your credit limit. This maintains a loan balance within the limits that we assess as suitable for your financial position.

Q. What are my available funds?

A. Your borrowing limit is based on the Loan to Value Ratio of the securities in your portfolio. Your credit limit is determined by your financial situation and loan requirements. Your available funds are the lesser of your borrowing limit and your credit limit. This maintains a loan balance within the limits that we assess as suitable for your financial position.

Q. What is a margin call?
A. A margin call occurs when falls in the value of your security cause your current loan balance to exceed your borrowing limit plus your buffer. If this occurs you must repay part of your loan at the time and on the day we indicate you must meet the margin call (normally by 2pm EST/EDST on the day after you have been notified)

Important Information: Please ensure that you notify us of any action in relation to a margin call prior to the time given to meet the margin call (normally 2pm EST/EDST the business day after you have received a margin call). You can do this by:

• Calling 1800 805 972 8am–6pm Monday to Friday and speaking with one of our Account Managers or;
• E-mailing us at service@marginlending.suncorp.com.au including details of your account name and number and what action you have taken to restore your position
• Faxing us on 1300 305 499 including details of your account name and number and what action you have taken to restore your position

Q. How do I know I am in a margin call?
A. It is your responsibility to regularly monitor your account and manage your facility position. You can do so by logging on to your margin lending Internet Account Access. In the event of a margin call, we will also try to contact you either by phone, email, SMS or ordinary mail. It is important your contact details are always kept up to date.

Q. How can I rectify a margin call position on my margin loan?
A. A margin call may be remedied by either one or a combination of the following:

• Making a direct deposit into your linked Cash Management Account (CMA); or
• Depositing cash into our account:
  Bank: Suncorp Metway Limited
  BSB: 484 799
  Account: 041556391
  Account Name: Suncorp Metway Limited Margin Lending Operating
  Important - Reference: You must include your Client Reference Number; or

• Contributing additional acceptable security; or
• Selling the required amount of security to place the account back into order.

Q. How soon can I start trading?
A. Before you can start trading Suncorp Margin Lending needs to have any security you are offering lodged and confirmed. Shares generally take between 2 and 5 working days. Managed funds take between 5-10 working days, as these need to be transferred into our nominee name. Cash security is available as soon as the funds are cleared.

Q. How can I access my Margin Lending Facility?
A. You can access your Suncorp Margin Lending Facility a number of ways:

• By phone. Simply call 1800 805 972 or Intl. + 61 2 9236 3471 8:00am - 6:00pm, (EST/EDST), Monday to Friday
• Contacting the Account Management Team or financial adviser.

Q. Can I get a loan drawdown?
A. Yes, you can get a loan advance. Simply put the request in writing or complete the Drawdown Request form on our website and fax it to the Account Management Team.

Q. How does Suncorp Margin Lending manage stock ownership?
A. Suncorp Margin Lending has never been, nor is currently a stock lender. All stock lodged with Suncorp Margin Lending as security for a margin loan is held under your own Holder Identification Number (HIN) with the nominee company, "Value Nominees Pty Limited", being the CHESS sponsor for the stock until such times as the loan is repaid. Voting and income rights continue with you unless there is an event of default by the client.

Q. What is a CMA?
A. A CMA is a cash management trust account linked to your margin loan. You can deposit cash to this account which is lodged as security to the margin loan, geared at 100%.

Q. What are the benefits of a CMA?
A. The following are some of the benefits of a CMA:

• You have an account to deposit your cash which is geared at 100% for your margin loan.
• You earn credit interest on credit balances in the CMA.
• You can nominate relevant Share registries to credit dividend payments into this account.

This setup helps optimise your interest payments by allowing funds transfer between your CMA and variable margin loan (and vice versa).
If you use Savings Gearing, you can make regular monthly instalment payments to your Fund Manager via the CMA.

Q. What is the cost of setting up the CMA?
A. We set up the CMA on your behalf for free.

Q. Under what name is the CMA set up?
A. Margin lending CMAs are opened on your behalf by Value Nominees Pty Limited.

Q. Do I need to provide a TFN or ABN? What are the implications if I don’t?
A. You do not have to provide us with your Tax File Number (TFN) or Australian Business Number (ABN). However, if you choose not to, tax may be charged on any interest earned in your CMA at the highest marginal rate plus the Medicare levy. For more information about TFNs, ABNs or Exemptions, please contact the Australian Taxation Office.

Q. Is there a minimum balance required to be maintained?
A. The CMA always retains a minimum balance of $1.00.

Q. How do I deposit funds into my CMA?
A. Your CMA has a BSB and a unique account number which appears on the Margin Lending Internet Account Access and on your margin lending or CMA statements. You may choose to send us a cheque, (made payable to Suncorp Margin Lending) or, make a direct deposit into your CMA via your bank’s internet banking or BPay.

Q. When is my deposit reflected in the CMA?
A. For funds transferred electronically before 5pm on weekdays, the deposit will be reflected in the CMA on the next business day.

Q. Is there an overdraft facility on my CMA?
A. There is no overdraft facility on your CMA. However, if you wish to draw funds from your margin loan, please complete a Drawdown Request.

Q. Where can I check my CMA details?
A. If you have an existing CMA, you can check the details via your Margin lending Internet Account Access, under Bank Account Details. You can also check the balance on the Portfolio summary screen under security code CAS.

Q. Do I earn interest on my CMA balance?
A. Yes, you earn interest on any credit balance on your CMA. To find out our current CMA rates, please contact our Account Management Team on 1800 805 972.

Q. How do I transfer funds between the CMA and my margin loan?
A. You have two options on the margin lending or CMA application form.

Your first option is to have the funds automatically transferred between your CMA and variable margin loan (and vice versa). This is the default option.

The second option is to transfer the funds between your CMA and the Margin Loan (and vice versa) only upon request.

If you select option one, you can rest assured that this will automatically transfer any credit balance on your variable loan to the CMA so you can earn interest, and, transfer funds in the CMA to pay off your variable loan if it has a debit balance, (whichever is applicable) reducing the total amount of interest you pay.

Q. Can I change the option of transferring funds between the CMA and my margin loan?
A. Yes, you can change your selection at any time. Simply fax us a written request on 1300 305 499 or post it to Reply Paid 1877, Royal Exchange NSW 1224.

Q. When are funds transferred between the CMA and my margin loan?
A. This is a daily process and is updated at the end of each business day.

Q. How do I access the money in the CMA?
A. To access the funds in your CMA, please check that the amount you wish to withdraw is less than your available funds and then fax us a request on 1300 305 499 or post it to Reply Paid 1877, Royal Exchange NSW 1224. You can only draw funds from your CMA by instructing Margin Lending. You can not draw funds directly from your CMA via internet banking or by going into a branch.

Q. What fees do I need to pay on the CMA?
A. There are no fees on your CMA.

Q. Do I receive statements for the CMA? How often?
A. Yes. Unless you have elected otherwise, you receive CMA statements every six months.

Q. Why is a CMA set up with a Savings Gearing Loan?
A. By applying for Savings Gearing, you authorise us to open a CMA on your behalf. The CMA is opened in the name of Value Nominees Pty Limited. This account is set up to collect part of the payment for your investments from your margin loan and the other part from your external bank account as per your instructions.

Your Fund Manager will draw on the CMA to make your total Monthly Investment.

Note: This CMA cannot be used for any other purposes, eg Interest or Dividend payments. If you wish to do so, you may set up another CMA by call our Account Management Team on 1800 805 972.