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cellpadding=0 width=1026 style='width:769.5pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:162.75pt'> <td colspan=3 style='padding:0cm 0cm 0cm 0cm;height:162.75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"; mso-no-proof:yes'><img width=1024 height=217 id="_x0000_i1040" src="pics/header.jpg" alt="Lifetime Advisers"></span><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;height:205.55pt'> <td width=186 valign=top style='width:139.35pt;background:#CCCCCC;padding: 0cm 0cm 0cm 0cm;height:205.55pt' background="pics/navigation/spacer.gif"> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=186 style='width:139.35pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm' id="Table_01" height=548> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:31.95pt'> <td 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href="importantinfo.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=51 id="_x0000_i1028" src="pics/navigation/importantinfo.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12;height:919.5pt'> <td style='padding:0cm 0cm 0cm 0cm;height:919.5pt'></td> </tr> <tr style='mso-yfti-irow:13'> <td style='padding:0cm 0cm 0cm 0cm'></td> </tr> <tr style='mso-yfti-irow:14;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'></td> </tr> </table> </td> <td width=654 valign=top style='width:490.65pt;background:white;padding:0cm 0cm 0cm 0cm; height:205.55pt'> <p class=introcopy>&nbsp;</p> <p><a href="#services">Our Services</a><br> <a href="#charge">How We Charge</a><br> <a href="#ongoing">Ongoing Services</a></p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>ABOUT US<o:p></o:p></span></h1> <p style='margin-left:5.65pt'>Lifetime Advisers is an independently owned and operating boutique financial planning practice. All advisers have many years of industry experience. </p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:450.0pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width=46 style='width:34.5pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=122 style='width:91.5pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"/> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"/> <v:f eqn="sum @0 1 0"/> <v:f eqn="sum 0 0 @1"/> <v:f eqn="prod @2 1 2"/> <v:f eqn="prod @3 21600 pixelWidth"/> <v:f eqn="prod @3 21600 pixelHeight"/> <v:f eqn="sum @0 0 1"/> <v:f eqn="prod @6 1 2"/> <v:f eqn="prod @7 21600 pixelWidth"/> <v:f eqn="sum @8 21600 0"/> <v:f eqn="prod @7 21600 pixelHeight"/> <v:f eqn="sum @10 21600 0"/> </v:formulas> <v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/> <o:lock v:ext="edit" aspectratio="t"/> </v:shapetype><v:shape id="frances" o:spid="_x0000_s1030" type="#_x0000_t75" style='position:absolute;margin-left:0;margin-top:0;width:91.5pt;height:85.5pt; z-index:1;visibility:visible;mso-wrap-style:square; mso-wrap-distance-left:0;mso-wrap-distance-top:0; mso-wrap-distance-right:0;mso-wrap-distance-bottom:0; mso-position-horizontal:left;mso-position-horizontal-relative:text; mso-position-vertical:absolute;mso-position-vertical-relative:line' o:allowoverlap="f"> <v:imagedata src="pics/frances_hesse.jpg"/> <w:wrap type="square" anchory="line"/> </v:shape><![endif]--><![if !vml]><img width=122 height=114 src="pics/frances_hesse.jpg" align=left v:shapes="frances"><![endif]><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=122 style='width:91.5pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;</span><span style='mso-fareast-font-family:"Times New Roman";mso-no-proof:yes'><img border=0 width=95 height=113 id="_x0000_i1027" src="pics/lou_scarano.jpg"></span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=122 style='width:91.5pt;padding:0cm 0cm 0cm 0cm'></td> </tr> <tr style='mso-yfti-irow:1;height:7.5pt'> <td width=46 style='width:34.5pt;padding:0cm 0cm 0cm 0cm;height:7.5pt'> <p class=MsoNormal style='mso-line-height-alt:7.5pt'><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=122 style='width:91.5pt;padding:0cm 0cm 0cm 0cm;height:7.5pt'> <p class=MsoNormal style='mso-line-height-alt:7.5pt'><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm;height:7.5pt'> <p class=MsoNormal style='mso-line-height-alt:7.5pt'><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=122 style='width:91.5pt;padding:0cm 0cm 0cm 0cm;height:7.5pt'> <p class=MsoNormal style='mso-line-height-alt:7.5pt'><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm;height:7.5pt'> <p class=MsoNormal style='mso-line-height-alt:7.5pt'><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=122 style='width:91.5pt;padding:0cm 0cm 0cm 0cm;height:7.5pt'> <p class=MsoNormal style='mso-line-height-alt:7.5pt'><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes'> <td width=46 valign=top style='width:34.5pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=122 valign=top style='width:91.5pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span class=tablebold><span style='mso-fareast-font-family: "Times New Roman"'>Frances Hesse</span></span><span style='mso-fareast-font-family: "Times New Roman"'>, <br> <span class=SpellE>BBus</span> DFP Cert IV Principal<o:p></o:p></span></p> </td> <td valign=top style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=122 valign=top style='width:91.5pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span class=tablebold><span style='mso-fareast-font-family: "Times New Roman"'>Lou <span class=SpellE>Scarano</span></span></span><span style='mso-fareast-font-family:"Times New Roman"'>, <br> Mortgage <br> Consultant<o:p></o:p></span></p> </td> <td valign=top style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></p> </td> <td width=122 valign=top style='width:91.5pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span class=tablebold><span style='mso-fareast-font-family: "Times New Roman"'>Nanette Brown</span></span><span style='mso-fareast-font-family: "Times New Roman"'>, <br> Client Services Manager</span></p> </td> </tr> </table> <p style='margin-left:5.65pt'><span class=tablecopy>Frances Hesse, Senior Financial <span class=GramE>Planner,</span> has over 20 years experience in the financial services industry. Lifetime Advisers Pty Ltd T/A Lifetime Advisers is licensed through <span class=SpellE>Lionsgate</span> Financial Group Pty Ltd, a non  institutionally owned licensed securities dealer, AFSL 342766. <o:p></o:p></span></p> <p style='margin-left:5.65pt'><span class=tablecopy>Lou <span class=SpellE>Scarano</span> is a registered mortgage broker and credit representative CR 393429 and a director of <span class=SpellE>Louton</span> Networks Pty Ltd T/A Loan Advisers, a corporate credit representative CR 408617 of Mortgage Line Australia Pty Ltd Australian Credit License Number 386276.<o:p></o:p></span></p> <p style='margin-left:5.65pt'><span class=tablecopy>Frances Hesse T/A Loan Advisers is a registered mortgage broker and a credit representative CR 398197 of Mortgage Line Australia Pty Ltd. Australian Credit License Number 386276. </span></p> <h1 style='margin-left:5.65pt'><a name=services></a><span style='mso-fareast-font-family: "Times New Roman"'>Our Services<o:p></o:p></span></h1> <ul type=disc> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Investment Advice <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Portfolio Management and Review <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Cash Management Accounts<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Share Trading <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Superannuation and Retirement Planning <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Self Managed Superannuation Funds <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Retrenchment/Termination Planning <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Insurance Planning <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Estate Planning <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Tax Effective Investments <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Home, Commercial and Business Loans <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l3 level1 lfo3;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Car, Truck, Boat and Equipment Finance <o:p></o:p></span></li> </ul> <h1 style='margin-left:5.65pt'><a name=charge id=charge></a><span style='mso-fareast-font-family:"Times New Roman"'>How We Charge<o:p></o:p></span></h1> <p class=subhead style='margin-left:5.65pt'>1. Financial Planning Services</p> <p style='margin-left:5.65pt'>Lifetime Advisers aim to provide unbiased advice in all aspects of Financial Services. </p> <p style='margin-left:5.65pt'>Our staff are highly trained and experienced with strong customer focus and work ethic. We believe we provide an outstanding service which is clearly set out in our Ongoing Service Agreement.</p> <p style='margin-left:5.65pt'>We charge on a<em> fee for service</em> basis and generally commissions received are offset against these fees wherever possible. </p> <p style='margin-left:5.65pt'>Our initial consultation is currently free and with no obligation.</p> <p class=subhead style='margin-left:5.65pt'>2. Loans and Finance Services</p> <p style='margin-left:5.65pt'>All new clients can have a free no obligation initial consultation with a Loan Advisers Mortgage Consultant to see if we can assist with your finance needs. After that depending on the services to be provided, any fees and charges will be explained and outlined.</p> <p style='margin-left:5.65pt'>Generally fees for finance (loans) services Loan Advisers provides as a broker are generally paid by the lender and are not an additional charge unless otherwise advised. Commissions are fully disclosed in our Finance Broker Agreement with each client.</p> <p style='margin-left:5.65pt'>Our staff are highly trained and experienced with strong customer focus and work ethic. We believe we provide an outstanding service which continues long after your finance is settled. </p> <p style='margin-left:5.65pt'>For a free no obligation appointment <a href="mailto:info@lifetimeadvisers.com.au?subject=Web%20Enquiry"><strong>Contact Us</strong></a><o:p></o:p></p> <h1 style='margin-left:5.65pt'><a name=ongoing id=ongoing></a><span style='mso-fareast-font-family:"Times New Roman"'>Ongoing Services<o:p></o:p></span></h1> <ul type=disc> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l2 level1 lfo6;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Client Referral Rewards Program <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l2 level1 lfo6;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Regular Client Briefings <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l2 level1 lfo6;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Client Economic Updates <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l2 level1 lfo6;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Customised Client Seminars<o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l2 level1 lfo6;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Quarterly Newsletters <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l2 level1 lfo6;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Regular Client investment reviews <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l2 level1 lfo6;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Access to investments online 24/7 <o:p></o:p></span></li> <li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt: auto;mso-list:l2 level1 lfo6;tab-stops:list 36.0pt'><span style='mso-fareast-font-family:"Times New Roman"'>Updated website <o:p></o:p></span></li> </ul> <p style='margin-left:5.65pt'>Lifetime Advisers aim to have clients for life. We provide ongoing advice to all clients in regular reviews on at least an annual basis. Most clients choose half yearly or quarterly reviews to keep up to date with their investments and finance and to talk with us about important changes occurring in their lives.</p> <p style='margin-left:5.65pt'>Our goal is to assist clients and their families through often complex transactions such as purchasing a home with finance through to retirement planning.</p> <p style='margin-left:5.65pt'><a href="#top">TOP</a></p> <p class=introcopy>&nbsp;<o:p></o:p></p> </td> <td width=186 valign=top style='width:139.5pt;background:#CCCCCC;padding: 0cm 0cm 0cm 0cm;height:205.55pt' background="pics/rightcol_blue.jpg"> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=185 style='width:138.75pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="subscribe.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=185 height=57 id="_x0000_i1026" src="pics/subscribe.gif" alt=Subscribe></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="referfriend.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=185 height=55 id="_x0000_i1025" src="pics/referfriend.gif" alt=Refer></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> <p class=bluecolumnheader>Want someone who puts your interests first and offers unbiased advice in comparing loans, insurance and tax planning?</p> <p class=bluecolumncopy>As licensed financial planners we incorporate your insurance needs into your overall financial planning and loan needs. We ll tell you about the different types of insurance on offer - and the policies that are right for you.</p> <p class=bluecolumncopy><a href="mailto:info@lifetimeadvisers.com.au?subject=Web%20Enquiry"><span style='color:white'>Contact us today</span></a></p> <p class=latestnewsheader>&nbsp;</p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes;height:37.5pt'> <td colspan=3 style='background:#CC0000;padding:0cm 0cm 0cm 0cm;height:37.5pt'> <p class=MsoNormal align=center style='text-align:center'><span style='font-size:9.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:white'>Lifetime Advisers Pty Limited is a Corporate Authorised Representative of <span class=SpellE>Lionsgate</span> Financial Group Pty Ltd ABN 92 140 591 484. Australian Financial Services License 342766. Copyright 2012. <a href="http://www.s2.com.au/" target="_blank"><span style='color:white'>Original site by S2 Design</span></a></span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>