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BORROWING TO INVEST _ MANAGING YOUR FACILITY
    ADVISER CENTRE

    Gearing opportunities for your clients
    Borrowing to invest, or gearing, has long been a popular wealth creation strategy. By enabling your clients to invest more money, gearing has the potential to improve your clients investment returns and help them reach their financial goals sooner.

    NAB 100% Investment Loan
    A NAB 100% Investment Loan provides your clients with 100% of funds required to access select investments without the need to provide any initial capital.

    Benefits of a NAB 100% Investment Loan
    • No margin calls except where clients fail to meet their interest payment obligations or the investment is sold or redeemed early.
    • A range of interest rate options to meet your clients needs
    • Potential tax efficiency as the loan interest may be tax deductible*
    • No application or ongoing service fees for individual and joint applicants

    * Individual client tax positions will depend on their personal circumstances and they should seek appropriate taxation advice regarding their taxation positions.

    How does a NAB 100% Investment Loan work?
    Minimum loan amount
    Your clients can apply for a minimum loan amount of $20,000 for either a variable or fixed rate loan. For a loan that includes a combination of variable and fixed rates, the minimum loan amount on the fixed rate component of the loan is $20,000.

    Loan security
    The only security required for the loan is the investment your clients acquire with their NAB 100% Investment Loan.

    Interest rate options
    A NAB 100% Investment loan is an interest only loan for select investment opportunities. There are a range of flexible interest rate options to meet your clients needs:

    Interest rate type Interest payment option
    Variable rate Pay interest monthly in arrears
    Fixed rate in advance Pay interest in advance for 1 5 year terms
    Fixed rate in arrears Pay interest monthly in arrears for 1 5 year terms
    Combination of variable and fixed rate options Interest payments dependent on options selected

    Interest rates and fees

    Interest rates for  Man OM-IP Essential

    The final interest rates for a 100% Investment Loan to invest in:
    • Man OM-IP Essential
    Interest rate type Interest rate (p.a.)
    Variable rate 9.95%
    Fixed rate in advance 1 year
    2 years
    3 years
    4 years
    5 years    		 9.60%
    9.50%
    9.50%
    9.50%
    9.50%
    Fixed rate in arrears 1 year
    2 years
    3 years
    4 years
    5 years    		 9.80%
    9.70%
    9.80%
    9.80%
    9.80%
    Cash Management Account - Effective 17 March 2008 (This rate also applies to credit balances in 100% Investment Loan variable rate loan accounts) 5.89%

    Rates on Loans over $500,000 are negotiable
    Final interest rates for Man OM-IP Essential provided on 13 August 2008.
    Fees
    • There are no application or ongoing service fees for individual or joint applicants.
    • An establishment fee applies for companies (including company guarantors) and trustees applying on behalf of trusts. Details of the establishment fee can be found in the NAB 100% Investment Loan Application.
    • Applicants or guarantors residing in Tasmania are subject to a State Government charge of $90.50 to cover lodgement of the Power of Attorney.
    • Early repayments of a fixed rate loan (including a conversion to a variable rate loan) may be subject to payment of economic costs.

    Current investments
    Your clients can use a NAB 100% Investment Loan to invest in Man OM-IP Essential

    Investment in Man OM-IP Essential can only be made by completing the application included with the Prospectus for the offer dated 18 April 2008 and issued by Man Investments Limited ABN 47 002 747 480, AFSL 240581.

    How to apply
    To establish a NAB 100% Investment Loan Facility for your clients, follow these simple steps:

    Step 1
    Obtain a copy of the NAB 100% Investment Loan application kit.

    Step 2
    Have your client read all of the information in the Application kit and complete the application form.

    Step 3
    Submit the application form and provide supporting documentation.

    Step 1 Obtain a copy of the NAB 100% Investment Loan application kit
    To obtain a copy of the NAB 100% Investment Loan application kit you can:
    • Request for an application kit to be mailed to you by calling 1800 652 669 or by emailing us at nabcapital.isg@nab.com.au
    • Download a NAB 100% Investment Loan kit by clicking on the links below:
    NAB 100% Investment Loan kit
    NAB 100% Investment Loan Facility terms
    You need to read the Facility Terms before completing an application
    NAB 100% Investment Loan Adviser Application form
    Complete the application form to apply for a Facility

    Client Identification Form
    Use this form for any applicant, guarantor or any nominated authorised representative who is not an existing NAB client.
    NAB 100% Investment Loan Cash Management Account Product Disclosure Statement (PDS)
    You need to read the Product Disclosure Statement if you are establishing a Cash Management Account as part of your Facility (for fixed rate loans only)
    Your Guide to Banking at NAB
    Download a copy of the general banking information guide
    Financial Services Guide effective 27.08.07
    Download a copy of NABs Financial Services Guide

    Step 2 Complete an Application form
    Once your client has read the NAB 100% Investment Loan Application kit, in particular the Facility Terms and Cash Management Account PDS, have them complete the Application form.

    MANDATORY:Anti-Money Laundering (AML) Requirements

    You must complete either:

    For NAB/MLC Aligned Financial Planners and Financial Planning Groups who have executed a Sub-Distribution agreement with National Australia Bank Limited the Financial Planner must fully complete one of the following AML documents for each investor:

    • Completion of the attached (once) will fulfil both GSJBW and nab 100% Investment Loan AML requirements
    • You do not need to send through certified documents
    • Please carefully read the 'Guide to Completing This Form' section
    • You do not have to also complete the Client Identification Form at the rear of the GSJBW or the NAB 100% Investment Loan Client Identification Form

    Individuals & Sole Traders
    Trusts & Trustees
    Partnerships
    Associations
    Companies
    Government Bodies

    OR

    For all other applicants the investor must complete:
    • GSJBW Client Identification Form located in the rear of the PDS and provide certified original identification documents; and if applicable
    • NAB 100% Investment Loan Client Identification Form that accompanies the Loan Application form and provide certified original identification documents;

    Masterkey Custom

    Keystone 3 has been approved by ThreeSixty and is available for all account types in Masterkey

    Step 1: Download the Investment Authority form from MKC website: https://www.masterkeycustom.com.au/flexiforms/Forms/52236_Investment_Authority.pdf
    Step 2: Complete the form and add an instruction re upfront commission
    Step 3: Fax or mail to MasterKey Custom

    MKC Asset Codes for Keystone III:

    UU1098 Goldman Sachs JBWere Food,Feed,Fuel II Keystone Fund
    UU1099 Goldman Sachs JBWere Sustainability Keystone Fund
    UU1100 Goldman Sachs JBWere Global Equity Hindsight Keystone Fund
    UU1101 Goldman Sachs JBWere Commodity Hindsight Keystone Fund

    Statement of Advice

    Further Advice SoA - GS JBW Keystone Fund III
    App - GS JBW Keystone Fund III

    Where to send applications

    If investing through nab Loan please forward completed GSJBW Keystone 3 Application form together with the nab 100% Investment Loan application form and other relevant documents to:

    nabCapital Investor Services Group
    100% Investment Loan Unit
    Level 32
    500 Bourke Street
    Melbourne VIC 3000

    Other

    All other applications should be sent direct to GSJBW as follows:

    By Post - Goldman Sachs JBWere Asset Management, Reply Paid 4898, Melbourne VIC 8060
    By Hand Delivery - Attn Mr Richard Linnegan, Unit Registry Services, Goldman Sachs JBWere Asset Management, Level 18, 101 Collins Street Melbourne VIC 3000


    Step 3 Submit the Application form and provide supporting documentation
    Please forward your clients completed Application form to:

    nabCapital Investor Services Group
    100% Investment Loan Unit
    Level 32
    500 Bourke Street
    MELBOURNE VIC 3000

    Please note any incomplete information may delay the establishment of your clients Facility.

    Loan approval process
    All loan applications are subject to approval. NAB will generally approve individual or joint applications within 48 hours of receipt of the application.

    Applications from companies and trustees on behalf of trusts may take longer to approve.
    On approval of the application, you will receive confirmation of your client's Facility details.

    Your client will receive a welcome kit with a letter confirming the approval of their Facility and their Facility details.

    Other investment loan choices
    NAB Margin Loan
    If your clients already have existing shares, managed funds or cash that they would like to use as security for a margin loan, you may like to consider discussing establishing a NAB Margin Lending Facility to help your clients invest in select investment opportunities.

    Find out more about NAB Margin Lending

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