PERSONAL DETAILS Name: Melissa Louise Caddick Address: “ | Date of Birth: 21 April 1971 Place of Birth: Sydney, Australia EDUCATION / QUALIFICATIONS 1994 GRADUATE DIPLOMA IN APPLIED FINANCE AND INVESTMENT Securities Institute of Australia - Sydney 1996 GRADUATE CERTIFICATE IN FINANCE Graduate School of Business - University of Technology - Sydney 1997 GRADUATE DIPLOMA IN FINANCE. Graduate School of Business - University of Technology - Sydney 1999 MASTER OF BUSINESS IN FINANCE Graduate School of Business - University of Technology - Sydney 2001 DIPLOMA IN FINANCIAL PLANNING akin University 2002 CERTIFIED FINANCIAL PLANNING PROFESSIONAL EDUCATION PROGRAM 2002 AUSTRALIAN INSTITUTE OF DIRECTORS Professional programme FINANCIAL SYSTEMS PACKAGES Chess, Stockeasy, Hiportfolio, Information Express, ProPlanner, Visiplan, Iress, Lonsdale, Beacon, Microsoft Word/Excel, MYOB Page 1 of 6EMPLOYMENT HISTORY DATES, JANUARY 1998 -TO DATE COMPANY : WISE FINANCIAL SERVICES POSITION +: MANAGING DIRECTOR & SENIOR FINANCIAL PLANNER Responsibilities: To develop financial strategies for clients, through the identification of existing market opportunities and matching these opportunities to existing and potential client needs. My Authorisation allows me to advise on the following product classes: Deposit and payment products - basic and non-basic, Life products — investment life and life risk personal and business, Managed investment scheme — including investor directed portfolio services, Retirement savings account produets, Superannuation, Instalment Warrants, Direct Share Advice, Hedge Funds and Self Managed Superannuation Funds. Identifying and developing key alliances with accounting practises and legal firms as a source of high net worth client referrals. Management of day to day business of the Company. (compliance, accounts, ., website, human resources, IT) ity for the Financial Planning Profit Centre of the company. Develop, manage and lead all business functions relating to this profit centre to ensure achievement of profit, growth and productivity objectives as outlined in the business plan. Manage resources (capital and human) to ensure that best practices are adopted. Ensure that training and personal development needs (both staff and oneself) are identified and addressed, Regularly monitor the ASIC, FPA,APRA and other relevant websites to ensure that we are up to date with compliance and regulatory changes and industry developments. Ensure that all marketing materials are up to date and accurate from an ACCC Trade Practices and regulatory point of view. Manage intemal and external communication channels to ensure that all staff, clients and ING are up to date with all relevant issues impacting the business, Monitor business performance against the budget. Actively participate in providing feed back and strategic advice to Tandem Financial Advice. Pursues relationship marketing and cross-selling opportunities that maximises production of advisers. Co-ordinate and implement business process and procedures in relation to recruitment, training and development, CMS, Segmentation, business structure. Define current and future business model and staffing structure to both support the existing business and future growth strategies. Page 2 0f 6Related Achievements: Wise Financial Services were awarded IFA Best Practice of the Year 2003.The business was judged by a panel of industry experts as having true ‘Best Practice’ characteristics in the areas of business planning, back office systems and processes, client service, staff training and development, compliance and risk management. = Completion and Implementation of 12 month business plan within 6 month period. Completion of re-structure of the business increased profit by 20% in year 1. Speaking Engagements Resnik Conference: Wealth Creation Conference, Sydney July 2003, Topic: The Future of Financial Advice in Australia m Tandem Financial Advice Conference, Broome 2003 Topie: The future of the financial planning practice ™ Resnik Conference: Independent Planning Conference, Sydney February 2004 Topic: Business Alliances — Maintaining Indepenence and Improving Business Process through Practice Alliances Topic: The Value Add Advisers Demand from a BDM ™ IFA Conference: The World of Financial Planning, Sydney March 2004 Topic: My Business: What now? Welcome to the FSR real world ING New Zealand Conference, Fiji April 2004 Topic: The implications of compliance, the importance of systems and documentation Topic: Succession Planning Topic: Building your practice in order to maximise its resale value Representations Board Director — Wise Financial Services Board Director — Wise Milne Pty Limited Board of Advice Member — Tandem Financial Advice Advice Member - Tandem Financial Advice Investment Selection Committee Page 3 ofEMPLOYMENT HISTORY DATES JULY 1997 - DECEMBER 1997 COMPANY : WILLIAMNOALLLTD SHARE AND STOCKBROKERS POSITION: CLIENT ADVISER & EQUITY ANALYST Responsibilities: To develop financial strategies for clients, through the identification of existing market opportunities and matching these opportunities to existing and potential client needs. Implementing the marketing strategy to develop the growth of the Sydney operation. Preparation of economic and sector reports and presentations analysing the current market status, market health and forecast of market direction for management and clients. Related Achievements: Initiated daily communications meetings to the Management and Client Advisers that provide a high level summary of overnight movements in the Intemational financial markets including: equity, debt, currency and commodities. The outcome of this meeting is to ensure that all the Team are well informed of recent international market developments and can take actions accordingly during the trading day. DATES OCTOBER 1996 - JULY 1997 COMPANY : LOFTUS CAPITAL PARTNERS PTY LTD (During this period, Loftus Capital were in fact bought out by Hudson Conway Ltd, who in tum sold off Loftus Capital. Loftus Capital have since been acquired by Schaffer Corporation Limited.) POSITION: _ INVESTMENT ANALYST & EQUITY DEALER Responsibilities: To identify and recommend investment strategies in the equity, debt and currency markets to the Board of Directors for assessing long term growth opportunities. To identify and recommend intra-day trading opportunities in the equity and derivative markets to General Manager Investments. Prepare daily economic report to management and clients of international and. domestic financial markets developments. ™ Publish Monthly and Quarterly Investment Report that included detailed Page 4 of 6commentary and analysis of: equity and debt market developments both domestically and intemationally, forecasting of market directions based on historic economic data and research, performance analysis on portfolios. Related Achievements: Established equity operations for Hudson Conway over a three month period. This involved the identification and appointment of a cost effective sub- custodian. Turnover through this operation in the first year was in the order of $80 million. Actively traded the portfolio generating profits and boosting the cash position of DATES. the company by $4 million over a six month period. (This was during the time that Hudson Conway owned title). APRIL 1993 - SEPTEMBER 1996 COMPANY : NRMA INVESTMENT MANAGEMENT PTY LTD POSITION : MONEY MARKETS & FIXED INTEREST DEALER Responsibilities: Monitoring and managing daily cash flows for the NRMA Group of companies. This totalled 17 entities with a combined annual turnover in excess of $250 billion. The portfolios were actively traded using the following ten instruments to generate profitability: Negotiable Certificates of Deposits (NCDs), Bank Bills, Ilam Cash, Spot and Forward Currency Transactions, Floating Rate Notes, Forwards, Swaps, Domestic Bonds, Corporate Bonds, Stock Lending. Related Achievements: Established the Stock Lending portfolio for NRMA Insurance Ltd. This involved designing a new module within Hiportfolio to enable trading to occur. Trading commenced within 3 months, this was in fact ahead of schedule. The portfolio tumover was up to $500 million on a daily basis generating profits in the order of $5 million annually. Initiated a NRMA Corporate wide cash flow reporting system that required each subsidiary to provide forecasted cash requirements on a monthly basis This initiative required extensive financial education of all the impacted Subsidiary Financial Managers. The result of this initiative was a cost saving (in transaction fees) and in management time. Automated the exposure limits process through designing a new report in Hiportfolio that was populated with data direct from the system, decreasing the manual work load in the limits process. Limits were then identified intra-day. No breeches in limits occurred after implementation of this initiative. Page 5 of 6DATES : FEBRUARY 1991 - MARCH 1993 COMPANY : NRMA INVESTMENT MANAGEMENT PTY LTD POSITION : FIXED INTEREST SETTLEMENTS OFFICIER (This role was designed primarily to train junior staff and expose them to the money markets and assess their potential candidacy for the rigours of the Dealing environment. I was the inaugural candidate). Responsibilities: Settlement of fixed interest and money market transactions. Manually monitoring fixed interest and money market limits. Input all transactions into Hiportfolio. Testing, evaluating and monitoring new computer systems. Related Achievements: Tested and evaluated the new modules in Hiportfolio prior to “go live. This identified that the Dealers should input the trades (and not Settlements) reducing the cycle time of the process. Settlements were then able to verify and cross check the Dealers work identifying any aberrations immediately. Improved the manual general ledger process through systematically identifying the necessary data that should be loaded into the information system. All data was entered into Hiportfolio over a 4 month period. DATES : OCTOBER 1989 - JANUARY 1991 COMPANY : NRMA INVESTMENT MANAGEMENT PTY LTD POSITION : SECRETARY TO THE ASSISTANT GENERAL MANAGER Responsibilities: General office administration including word processing, filing, travel arrangements and report and presentation collation, Related Achievements: Automated letters of confirmation for all investment related transactions. REFEREES Available on request. Page 6 of 6