1. Grow your business through smart cashflow management Macquarie Cash Management Trust

2. 2 Disclaimer  Macquarie Investment Management Ltd ABN 66 002 867 003 (MIML) is not an authorised deposit-taking institution for the purposes of the Banking Act (Cth) 1959 and MIML’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542. Macquarie Bank Limited does not guarantee or otherwise provide assurance in respect of the obligations of MIML.  The Macquarie Cash Management Trust is offered by MIML. In deciding whether to acquire or continue to hold an investment, you should consider the current Product Disclosure Statement (PDS) which is available from us.  This information is provided for the use of licensed financial advisers only. Financial advisers are prohibited from passing on this information to any retail client. In no circumstances is it to be used by a potential client for the purposes of making a decision about a financial product or class of products.

3. 3 Agenda  Your Clients – changing “Consumulators” into “Accumulators”  Your Business – the benefits of a cashflow management system  SMSFs – the drivers to profitable administration  Why Macquarie? - Commitment, value and partnership

4. 1. Your clients Changing “Consumulators into Accumulators”

5. 5 1. Your clients Income Statement Balance Sheet Expenses Income Assets Liabilities How healthy is your cost to income ratio? vs

6. 6 1. Your clients Cashflow patterns of assets and liabilities Liabilities Assets Assets pay income e.g. shares; investment property; etc Liabilities cost money e.g. home; boat; car; etc

7. 7 1. Your clients Income Expenses Liabilities Assets

8. 8 1. Your clients Cashflow pattern: Consumulators Income Expenses Assets Salary = Consumulators Liabilities

9. 9 1. Your clients Income Expenses Liabilities Assets Salary = Accumulators Cashflow pattern: Accumulators

10. 10 1. Your clients Expenses Liabilities $300,000 Assets $200,000 $6,000$3,000 $2,000 $1,500 Cashflow System $500

11. 11 Consumulators? or Accumulators?

12. 12 Accumulators = Financial Independence Building personal cashflow to replace employment cashflow cost of living cashflow to meet

13. 13 Where are you adding real value? Is your client time spent managing failed financial “dependence” strategies? Or Is your client time spent building successful financial “independence” strategies?

14. 14 Consumulator = Financial “DE”pendence $ Years of financial “de”pendence New car purchase Home renovations Age 55 Asset value

15. 15 Accumulator = Financial “INDE”pendence $ Years to financial independence New car purchase Home renovations Financial independence Free cashflow Cost of living Age 55 Cashflow

16. 16 Cashflow to Financial Independence School fees Mortgage School fees Years

17. 17 1. Your clients – key take out The right system in the right place, will deliver the right results

18. 2. Your business The benefits of a cashflow management system

19. 19 2. Your business options EXPENSIVE VALUE PREMIUM

20. 20 Consumer Bank account  Disconnected and no adviser visibility  Infrastructure build towards consumption  No revenue to adviser  Account fees dependent on account type and usage  Low interest to client 2. Your business options EXPENSIVE VALUE PREMIUM

21. 21 Consumer Bank account  Disconnected and no adviser visibility  Infrastructure build towards consumption  No revenue to adviser  Account fees dependent on account type and usage  Low interest to client  Adviser visibility & third party access  Informative statements  Downloads & connectivity  Superior/tailored services  Fee deduction service  Business revenue  Competitive interest rate Cashflow management system 2. Your business options EXPENSIVE VALUE PREMIUM

22. 22 Consumer Bank account  Disconnected and no adviser visibility  Infrastructure build towards consumption  No revenue to adviser  Account fees dependent on account type and usage  Low interest to client  Adviser visibility & third party access  Informative statements  Downloads & connectivity  Superior/tailored services  Fee deduction service  Business revenue  Competitive interest rate Cashflow management system  Access to wholesale m/funds and direct equities  Consolidated tax reporting  Asset Allocation/strategy Admin/Wrap Service Cashflow management System 2. Your business options EXPENSIVE VALUE PREMIUM

23. 23 2. Your business goals EXPENSIVEVALUEPREMIUM Consumer bank account Cashflow management system Cashflow Mgt System +Wrap/Admin portfolio Current active1305020200 Target6010040200 Current inactive1405010200 New -20

24. 24 2. Your business goals New servicesAverage balance Revenue Cashflow Management System 120$30,000$ 9,900 Wrap/Admin30$250,000$ 75,000 $ 30,000 $114,900 $350,000 Savings in administration Total net revenue Approx. growth in business value Figures are for illustrative purposes only

25. 25 Cash management system Adviser 1 2. The business revenue search engine Adviser 2Adviser 3 $300k $5,250 $400k $7,000 $20m $350,000 Figures are for illustrative purposes only. Revenue payment is based on 1.75% to adviser. Amount invested Revenue Plus $15m additional FUA

26. 26 2. What is the opportunity? $869,899,000,000 Source: www.rba.gov.au/Statistics/Bulletin/B03hist.xls

27. 27 2. Your business goals – key take out A more robust model increases the value of your business

28. 3. SMSF The drivers to profitable administration

29. 29 Cashflow management system 1.3. SMSFs – drivers to profitable administration VALUE BENEFITS Profitable business performance = Adviser visibility & third party access Downloads & connectivity Tailor built services Fee deduction service Business revenue Competitive interest rate Detailed informative statements Proactive advice, management and integration Fast and easy administration & compliance Reduce back office work The right functionality for the job Quicker revenue, no paperwork Profitable service offering Compliance management Relationship growth with Accountants

30. 30 3. Keep the cash flowing Asset Class Cash30 Managed Funds4 Aus Equities24 Direct Property7 Public Trusts10 Other25 ATO – SPAA Conference Mar 2006

31. 31 3. SMSFs – key takeout Better results, greater compliance, cheaper delivery – it works

32. 4. Why Macquarie Commitment, value and partnership

33. 33 4. Why Macquarie? Source : Plan for Life CMT Market share Report 2006 = Macquarie CMT CMT Market Share2005-6 Net Funds Flow 1 2 3 4 5 6 7 8 9 10 40 30 20 10 0 1 2 3 4 5 6 7 8 9 10 1500 1000 500 0 -500 -1000 % $mil

34. 34 How we can help Business Development Managers are here to help you: - Implement a cashflow management strategy - Grow the value of your practice, and grow your client value - Help you to segment your client base - Provide client presentations to help educate your clients - Increase your business performance - Train your staff on the strategy of implementing the system

35. 35 How we can help Training Relationship Managers are there to help you: - Integrate a cashflow management system into your office - Train and educate your staff on how to use the system - Streamline and provide greater business performance - Provide ongoing support National Adviser Contact Centre are there to help you: - There are over 180 staff ready to answer you and your clients calls - Highest level of personal service to provide you with the ongoing support

36. 36 How we can help Market leading Online system your.clients@macquarie is the market leading online system built for you! It is designed to increase the adviser-client and intermediary relationship, and provide greater performance for your business. your.clients@macquarie Smart Cashflow Management Educational material and guides for you and your clients. Or visit our online toolkit www.macquarie.com.au/cashflowtoolkitwww.macquarie.com.au/cashflowtoolkit

37. 37 4. Why Macquarie? The market leader today, and committed for the long term

38. 38 In summary… Your Clients Put the right system in the right place & the right results will come Your Business A more robust model increases the value of your business SMSFs Better results, greater compliance, cheaper delivery – it works PartnershipThe market leader today and for the long term

39. Grow your business through smart cashflow management Macquarie Cash Management Trust