The matters covered by the FSG include:

How to contact us
You can contact us at :
Street Address: Level 36, Australia Square, 264 George Street, Sydney NSW 2000
Mailing Address: Locked Bag 25, Royal Exchange, Sydney NSW 1225
Telephone: +61 2 9276 4444
Facsimile: +61 2 9276 4545
Email: helpdesk.au@morningstar.com
Website: www.morningstar.com.au

What Financial Services does Morningstar offer?
Morningstar is authorised, pursuant to its Australian Financial Services Licence, to provide general financial product advice through the provision of:
(a) data and ratings profiles;
(b) advice on fund managers and products to master funds and administrative services; and
(c) economic commentary and asset allocation information as part of the qualitative research process.

Morningstar is authorised to provide general advice in relation to the following financial products:
(a) derivatives;
(b) debentures, stocks or bonds issued or proposed to be issued by a government;
(c) life products limited to insurance products as well as any products issued by a registered life insurance company that are backed by one or more of its statutory funds;
(d) interests in a managed investment scheme including investor directed portfolio services;
(e) retirement savings account products;
(f) securities; and
(g) superannuation

Who will provide the Financial Service to you?
Morningstar will provide financial services to you.

Why is this guide provided to you?
Under the Corporations Act, Morningstar is deemed to provide general financial product advice to you through any of the above means, even though we do not deal directly with you. Morningstar materials are often distributed to you through third party intermediaries, including financial planners and fund managers or alternatively our materials are published on websites.

Morningstar will not ever accept instructions in relation to our services from you.

General advice provided by Morningstar does not constitute personal advice as it does not take into account your financial situation, needs and objectives.

Staff Remuneration, commissions and other benefits
Morningstar employees receive a salary and do not receive remuneration, commissions or other benefits from any product issuers. They may be eligible for an annual performance payment which is discretionary and based on reaching agreed performance levels.

Morningstar remuneration, commission and other benefits
Morningstar does not receive commissions for the service and does not charge companies to be rated. Where Morningstar provides the service through the provision of research it is remunerated by subscribers paying a subscription fee. This fee is variable depending on the subscription and will vary depending upon the individuals specific requirements, particularly to the ongoing use and distribution of the service. Subscriptions are paid as agreed with individual clients.

Are there any relationships that exist that may influence us when we provide advice?
Morningstar has no debt or equity relationship with any issuers of any financial products. Morningstar may provide some of the product issuers with research or consulting services for the standard fee. In relation to consulting services, Morningstar may provide product issuers with advice in relation to asset allocation information.

Lodging a Complaint
Should you wish to lodge a complaint about the service provided by Morningstar you should lodge a formal letter of complaint directly with Morningstar. The letter should be addressed to the Complaints Officer, Co/- Morningstar Research Pty Limited at the address noted on the front page of this document.

We will follow our internal dispute resolution procedure and refer the matter to our complaints officer. In the event that the outcome of your complaint is not satisfactory to you, you may request that the matter be referred to the Financial Industry Complaints Service Limited (FICS) as described in the Morningstar Complaints Handling and Dispute Resolution procedures. You may request further information about the complaints scheme at any time. FICS may be contacted by freecall on 1300 780 808.