• Who we are;
• How we can be contacted;
• The services and products we offer;
• How we are paid;
• Any associations or relationships we may have with financial product issuers and details of any potential conflicts of interests; and
• Our internal and external dispute resolution procedures and how you can access them.

WHAT IS THE PURPOSE OF THIS FINANCIAL SERVICES GUIDE

This is the Traders International Pty Ltd (Traders International) Financial Services Guide ("FSG"). Under the Corporations Act we are obliged to provide you with this FSG.

The purpose of this FSG is to provide our clients with key information about the type of services that we can offer and to ensure that you receive the information required to make an informed decision about whether to use the financial services that are offered by us.

Our FSG informs you of any charges that you are liable for and how we and any other relevant person will be remunerated for the services that we offer. It also sets out your rights as a client and how we will deal with any complaints you may have against us.

ADDITIONAL DOCUMENTS
Traders International provides general product financial advice in the use of electronic trading platforms promoted by derivatives & foreign exchange brokers such as INTERACTIVE BROKERS or MIRUS FUTURES or FXCM or FXCM and others. These service providers deal in derivatives & foreign exchange contracts and make a market in foreign exchange contracts.

Any decisions to open an account with INTERACTIVE BROKERS OR MIRUS FUTURES OR FXCM, or a similar organisation or to purchase products from similar service providers are entirely at your discretion. Before you open an account with INTERACTIVE BROKERS OR MIRUS FUTURES OR FXCM and/or any similar service providers, you are required and strongly advised to familiarise yourself with the FSG, PDS and Terms of business of INTERACTIVE BROKERS OR MIRUS FUTURES OR FXCM and any similar service providers. You are encouraged to make an informed decision about the products you are purchasing, including the risks and benefits, costs, fees and charges and how to trade the above products and those products provided by similar service providers.

Traders International Pty Ltd

CONTENTS

SECTION1: About Traders International Pty Ltd

• Traders International Pty Ltd.
• Which licensed entities does this FSG refer to and what services are provided?
• The nature of advice given by Traders International Pty Ltd.

SECTION2: Our Products and Trading Foreign exchange

• Traders International Pty Ltd Products.
• Risk Identification.

SECTION3: Remuneration

• How we are remunerated for the services we provide.
• Commissions paid to staff and consultants.
• Rebates paid by INTERACTIVE BROKERS OR MIRUS FUTURES OR FXCM and similar service providers.

SECTION4: Contact Details and Your Privacy

• How do you contact us?
• Your privacy.

SECTION5: Any Problems

• Dispute resolution procedure.

SECTION 1

Traders International Pty Ltd (Traders International) is a resident Australian Company providing marketing and advertising services to Traders International Inc (Traders), a non-resident provider of Derivatives, Futures & FOREX trading education.

Traders delivers an internet based education packages that specialises in trading the US, Asian and European share index futures and FOREX markets. Clients pay between $4995.00 AUD and $5995.00 AUD (depending on whether a finance option is used for the purchase) to subscribe to said education packages. The education is delivered by Traders over the internet and is supplied up to 24 hours per day from Traders servers in Houston, Texas, USA. Clients are sent an access code and password and they are then able to log on to the servers any time they wish to access the modules. The client retains permanent access to these modules unless he/she is found to be in breach of the Traders International Non Disclosure Agreement or the client fails to meet the conditions of any finance agreement agreed to by the client for payment of the Traders International course.

The Traders virtual trading rooms are delivered by Traders over the internet and clients are required to log in to these rooms to watch the markets live. The markets being watched at any time is at the discretion of the trading room moderators. The role of the moderators is to mark buy and sell signals that agree with the educational teachings of the Traders education packages. Clients pay a set fee per month after their simulation trial to have access to the Traders trading rooms, and this income is split between Traders and Traders International.

Traders International promotes awareness of the Traders trading program by generating publicity, by direct and virtual marketing, as well as presenting information seminars and live workshops to potential subscribers of the education package. Traders International does not provide the education packages during the marketing or promotion events.

Traders International specialises in the promotion of specific online electronic trading platforms offered by owners of such services to retail clients. These trading platforms provide access to the global futures markets enabling clients to buy and sell Emini Futures contracts as they choose. For the purpose of Derivatives & FOREX education and trading, Traders International (ACN 138 354 515) is a Corporate Authorised Representative of Halifax Investment Services Limited - ABN 52 096 980 522, AFSL 225973, which is a referring broker to multiple broking houses including but not limited to INTERACTIVE BROKERS, MIRUS FUTURES, FXCM INFINITY FUTURES. All trades are cleared through the broker that you choose to trade through that may or may not include any of the above.

Our goal is to provide financial product advice of a general nature only and this is governed by the general advice section of our affiliated AFSL holders.

Clients of Traders International range from active market traders to passive investors with an interest in the spot, market and contemporary trading strategies.

WHICH LICENSED ENTITIES DOES THIS FSG REFER TO AND WHAT SERVICES ARE PROVIDED?

The Corporate Authorised Representative status enables Traders International to provide financial product advice that only constitutes general advice under the laws governing financial services in Australia. This can include information about INTERACTIVE BROKERS OR MIRUS FUTURES OR FXCM trading products and similar providers of on line trading platforms and the underlying markets. Any information you receive from Traders International in the form of market and research reports or web site content should only be regarded as general advice.

THE NATURE OF ADVICE GIVEN BY TRADERS INTERNATIONAL

We will not provide you with personal advice. Personal advice is advice that takes into consideration one or more of your objectives, financial situation or need or advice which could reasonably be regarded as having done so. You will therefore not receive a statement of advice from us. We will only provide you with general advice; general advice is advice that is not personal advice.

This means that when we provide general advice to you, the advice will not take into account your objectives, financial situation or needs. It is important for you to consider these matters. Accordingly we make no warranties or guarantees that the content of the advice given is suitable for your individual situation. You should consider seeking independent advice before making any decisions about the Traders, Traders International or INTERACTIVE BROKERS OR MIRUS FUTURES OR FXCM products and/or using the services offered by these or similar on line service providers.

Under the law governing financial services, general advice has a defined meaning which may be different to what you understand and expect general advice to mean. In the context of the provision of financial services, general advice can include information about financial products, financial markets and the products supplied by on line service providers.

Any information Traders International may provide you about online trading products, online service providers, the financial markets, or any discussions with a Traders International employee should only be regarded as general advice. Market updates, research reports, historical performance charts, web site content are examples of the general advice we may provide.

You should obtain professional financial advice based on your own particular circumstances before making any investment decision on the basis of the general advice provided by Traders International in the course of its training and your relationship with Traders International staff.

Traders International may collect personal or investment information from you to identify you and to administer your relationship with us. Collection of personal information does not imply that personal advice was given.

SECTION 2

Traders International is a Corporate Authorised Representative of Halifax Investment Services Limited - ABN 52 096 980 522, AFSL 225973, (“Halifax”) and focuses solely on the following products:

* General financial product advice with respect to derivatives and foreign exchange education.

The principal products which we educate, refer to and provide information on are: FOREX (Foreign Exchange) and Futures trading.

Clients of Traders International will have access to an online member’s education area, which contains the trading education courses, trading education resources and other useful trading education content.

Traders International does not offer custodial services but may refer clients to 3rd party execution providers.

It is one of Traders International aims to offer its clients the most suitable Executing Counterparty in relation to the particular financial product for which the client wishes to apply. Traders International does not hold client funds or take money on deposit of any monies on behalf of a client.

IMPORTANT NOTICE:

Halifax as an AFSL holder is obliged to advise that it has professional indemnity insurance arrangements in place. These arrangements cover claims related to the conduct of Halifax, and includes those who no longer represent Halifax (but who did at the time of the relevant conduct). Traders International has its own professional indemnity arrangements.

IDENTIFY THE RISKS

Clients of Traders International should be advised that trading Derivatives & Foreign Exchange on margin carries a high level of risk and may not be suitable for all investors. The high degree of leverage can work against you as well as for you. Before deciding to trade derivatives and/or foreign exchange during or after you have purchased services or received advice from Traders International, you should carefully consider your investment objectives, level of experience and risk appetite. The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford to lose.

When deciding to purchase products from Traders International you are advised to consider the limitations of the advice given.

SECTION 3

HOW ARE WE REMUNERATED FOR THE SERVICES WE PROVIDE?

You will be charged fees in relation to the trading education services and products which we provide as per the detail in Section 1. These fees are subject to change and clients will be notified of changes at the time of purchase. Following is a schedule of fees and charges which currently apply.

Lifetime Membership to Traders International Inc including access to both FOREX and Futures Education Packages (both packages): $7,750 AUD. This is a one-off minimum expense and applies if and when a FOREX Trading Education Package is available.

Lifetime Membership to Traders International Inc including access to either FOREX or Futures Education Packages (single package only): $4995 AUD (up to $5995 AUD depending on the payment plan chosen). This is a one-off minimum expense.

Access to both Traders Virtual Trading Rooms (FOREX and Futures): Up to $399 USD/month. Access to one Traders Virtual Trading Rooms (FOREX or Futures): Up to $299 USD/month.

COMMISSIONS PAID TO STAFF AND CONSULTANTS

Compensation is paid to staff and consultants out of the price paid by you for training services. The amount of commission paid to staff and consultants is negotiated on an individual basis depending upon their employment relationship or contract with Traders International, the volume of sales, seniority and individual performance targets.

These commissions can range from 10% of the price paid by you to 50% of the price paid by you, dependent on individual agreements.

REBATES PAID BY INTERACTIVE BROKERS OR MIRUS FUTURES OR FXCM AND OTHER ON LINE TRADING PLATFORM PROVIDERS

Halifax Investment Services Limited - ABN 52 096 980 522, AFSL 225973, has a referring broker agreement with all of the above aforementioned brokers.

There is an arrangement in place between the above aforementioned brokers, Traders International and Halifax whereby the above aforementioned brokers agree to compensate Traders International and Halifax for introducing clients. Such compensation may be on a per trade or other basis.

For example, in the event that a client of Traders International was to open a trading account with MIRUS FUTURES, Halifax may be eligible to receive compensation under its referring broker agreement generally known as a rebate. The rebate to a referring broker for introducing a client ranges from 0.25 pips to 1.00 pip per round turn for FOREX trades and from $0.50 to $1.50 per contract per trade for Emini Futures trading.

For more detailed information on rebates, you need to refer to your chosen brokers product disclosure statement at the time of opening an account with them.

Halifax and Traders International are eligible to become a referring broker to other on line trading platforms and signal providers, all of whom may pay rebates to referring brokers. These rebates may be comparable to those paid by the aforementioned brokers above.

SECTION 4

HAT INFORMATION DO WE NEED TO OBTAIN AND HOW WILL IT BE DEALT WITH?

We value the privacy of your personal information. In general your basic personal information will be used for establishing and maintaining you as a client and for the purpose of providing our various services to you.

Your personal information may be disclosed internally for reasons of administration and operations.

We may be required to disclose your information to any court or tribunal, authority or regulatory body such as ASIC and operators of disputes or complaints resolution schemes to enable compliance with relevant legislation and regulations. We may be required to disclose your information to debt collectors, credit reporting agencies, our auditors, contractors or service providers and to other parties authorised and/or required by law to collect your information.

Unless required by law or regulation, your personal information will not be passed to any third-party without your consent. Your personal information is stored securely and you have the right to review it and request its correction if in error.

Traders International Contact Information:

You can contact us by:

• Telephoning us on +61 7 5451 1194 between 8.30am and 4.30pm Monday to Friday QLD time.
• Emailing us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it '; document.write( '' ); document.write( addy_text15145 ); document.write( '<\/a>' ); //--> This e-mail address is being protected from spambots. You need JavaScript enabled to view it
• Writing to us at address Level 1, The Old Fire Station, 103-105 Aerodrome Road Maroochydore QLD 4558 AUSTRALIA.

1. Contact Traders International via our website.
Contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it '; document.write( '' ); document.write( addy_text67691 ); document.write( '<\/a>' ); //--> This e-mail address is being protected from spambots. You need JavaScript enabled to view it You may do this by telephone, email or letter.

We will try to resolve your complaint quickly and fairly. Complaints will be responded to within 5 business days

2. If your complaint is not satisfactorily resolved within 3 business days, please contact our Complaints Manager or put your complaint in writing together with relevant documentation, and send it to:

The Complaints Manager – Halifax Investment Services Limited
Office Location: Governor Phillip Tower
Level 40
1 Farrer Place
 Sydney NSW 2000
Australia
Telephone: +61 2 9241 4321
Facsimile: +61 2 9241 4331
Email address This e-mail address is being protected from spambots. You need JavaScript enabled to view it '; document.write( '' ); document.write( addy_text48922 ); document.write( '<\/a>' ); //--> This e-mail address is being protected from spambots. You need JavaScript enabled to view it

When the complaint is received, the Complaints Manager will contact you within 48 hours in relation to resolving your complaint or to advise you of the steps that will be taken to address it. We will try and resolve your complaint quickly and fairly.

3. If you still do not get a satisfactory outcome, you have the right to complain in writing to:

The Financial Ombudsman Service Ltd
GPO Box 3
Melbourne Vic 3001
Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it  
Web: www.fos.org.au 
Tel: 1300 78 0800 *

Halifax is a Member of the FOS Scheme.

The Australian Securities and Investments Commission ("ASIC") also has a free call info-line on 1300 300 630 which you may use to make a complaint and obtain information about your rights.

* 9am - 5pm AEST. Calls will be charged at the cost of a local call from landlines. Calls from mobile phones will be charged at the applicable rate for your carrier.
 

Halifax Financial Services Guide
Halifax Investment Services Ltd
ABN 52 096 980 522
AFS Licence Number 225973
Governor Phillip Tower
Level 40, 1 Farrer Place, Sydney NSW 2000
Investors Service Centre 1300 363 505
Version 08-09-2011

Section 1
Purpose of this Financial Services Guide

A. F inancial Services Guide
This Financial Services Guide has been prepared byHalifax Investment Services Ltd ACN 096 980 522(Halifax, we, us, our). Halifax holds an Australian Financial Services Licence (licence number 225973).The purpose of this Financial Services Guide is to:

• ensure that you receive important information about the type of financial services we are authorised to provide to you;
• assist you in deciding whether to use any of the financial services that we are authorised to provide to you;
• provide you with information about the remuneration that we may receive in relation to financial services offered; and
• provide you with details in relation to our complaints and dispute resolutions procedures.

B. Other Documents
In addition to this Financial Services Guide, you may receive other documents from us.
If we make a recommendation to you in relation to a financial product (other than securities, government debentures, stocks and bonds), we will provide you with a Product Disclosure Statement in relation to that financial product. The Product Disclosure Statement will contain information in relation to the features, benefits, risks
and fees associated with the financial product and should assist you in deciding whether to acquire the financial product.

A copy of the Product Disclosure Statement is available at www.halifax.com.au – listed under “Product Disclosure Statement” on the home page. We provide both general and personal advice.

If we provide you with personal financial product advice, we will provide you with a Statement of Advice, which will take into consideration your personal considerations, objectives, financial situation and needs. The Statement of Advice will contain the advice, the basis on which the advice is given and information about fees, commissions and associations.

If we provide additional advice that adds to the Statement of Advice, we will provide you with a Statement of Additional Advice.

If we provide further advice:

• you may request a record of that advice (Record of Advice) if you have not already been provided with that record by providing us with instructions as outlined in section 3; and
• a request for a Record of Advice has to be made within 7 years from the date of when the further advice was provided.

Some of our financial services are provided by our Authorised Representatives. If there are special features of that service, we will give you a Supplementary Financial Services Guide for those features and detail the identity and contact details of the Authorised Representative, the remuneration they receive and the services they are authorised to
provide.

Section 2
Overview of Halifax Investment Services Ltd

A. Contact Details
Business Name:                                  Halifax Investment Services Ltd
A.B.N.:                                                 52 096 980 522
Australian Financial Service Licence:   225973
Office Location:                                   Governor Phillip Tower
                                                            Level 40
                                                           1 Farrer Place
                                                           Sydney NSW 2000
                                                           Australia
Telephone:                                         +61 2 9241 4321
Facsimile:                                            +61 2 9241 4331
Email address:                                    This e-mail address is being protected from spambots. You need JavaScript enabled to view it '; document.write( '' ); document.write( addy_text17178 ); document.write( '<\/a>' ); //--> This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Website:                                             www.halifaxonline.com.au

B. Business Description
Halifax provides financial product advice and arranges for the execution of trades in Securities, Derivatives, Futures, CFDs and Foreign Exchange products to retail and wholesale clients. Halifax’s services allow you to trade throughout Australasia, the United States and Europe. Execution and clearing services for transactions executed through Halifax are provided by both Halifax and external parties.

Section 3
Financial Services and Financial Products

Halifax holds an Australian Financial Services Licence, under which we are authorised to provide financial product advice in:

• Deposit and payment products limited to:
  • Basic deposit products;
• Derivatives;
• Foreign exchange contracts;
• Interests in managed investment schemes excluding investor directed portfolio services;
• Securities; and
• Financial products limited to:
  • Miscellaneous financial investment products.

Halifax is also authorised to deal in:

• Derivatives;
• Foreign exchange contracts; and
• Apply for, acquire, vary or dispose of a financial product on behalf of another person in respect of the following classes of products:
• Basic deposit and payment products;
• D erivatives;
• Foreign exchange contracts;
• I nterests in managed investment schemes excluding
• investor directed portfolio services;
• Securities; and
• Miscellaneous financial investment products; and

Halifax is authorised to make a market for:

• Foreign exchange contracts; and
• Derivatives.

Halifax is authorised to provide the above financial services to retail and wholesale clients.

For a complete list of the financial services Halifax is authorised to offer, please refer to ASIC ’s website (www.asic.gov.au). If you are having trouble finding this on ASIC ’s website, please call us and we will take you through the steps.

How to provide instructions

The method by which you will instruct us will vary depending on what type of financial service we are providing to you.

We will agree on an appropriate means for you to provide us with instructions (for example, the type of electronic trading platform you wish to use). Other methods of
instructions are telephone orders within specified hours, or in the case of prior approval facsimile, email or in person before we provide you with any financial services.

Section 4
Fee Structure

A. How does Halifax get paid?
Brokerage or commission is charged when you buy and sell most financial products.

The brokerage rates below are the maximum that Halifax could charge. Brokerage rates are negotiable for active clients and/or on large transactions and you could receive cheaper rates. The rates below should be used as the maximum guide only. Please call for our most
competitive rate.

All figures are quoted in Australian dollars unless otherwise stated.

Our standard brokerage rates applicable to transactions are as follows:

• Securities transactions are charged per transaction, a fee of up to $93.50 or 1.1% (including GST) of the transaction value (whichever is greater);
• Transactions for Exchange Traded Options are charged a fee of up to $93.50 (including GST) per transaction up to 40 option contracts and $2.20 (including GST) per contract thereafter. This does not include Australian Clearing House (ACH) fees. For a full description of ACH fees please refer to www.asx.com.au; and
• Futures transactions are charged as follows:
  
  ASX/SFE transactions are $55 (including GST) ‘per side’; that is, buying and selling a domestic contract has a combined cost of $110 (including GST). For all Futures Contracts outside of Australia transactions are charged at the equivalent foreign exchange rate of up to $55 Aud (including GST) ‘per side’. Subsequent volume are charged at the same additional prevailing rate on both domestic and foreign transactions; and
  
  Options on Futures transactions are charged up to $55 (including GST) per option contract; that is, buying and selling a domestic Option contract has a combined cost of $110 (including GST). For all Option on Futures Contracts outside of Australia transactions are charged at the equivalent foreign exchange rate of up to $55 Aud (including GST) per contract. Subsequent volume are charged at the same additional prevailing rate on both domestic and foreign transactions; and

Contract For Difference (CFD’s)
Commission is based on the full notional value of your CFD transaction and expressed as a percentage of the contract value with a fixed minimum charge. Commission is directly based on the volume transacted by you.

The commission rates for both Market Made and Direct Market Access varies depending on the type of CFD you trade, however the maximum fee you will pay is 2% of the full notional value of the transaction. For the comprehensive fee schedule with respect to
commission levels please refer to Annexure B of the CFD Product Disclosure Statement (PDS) located on the Halifax web site www.halifax.com.au or phone
the office for a free copy on 1300 363 505.

Foreign Exchange
For Margin FX Contracts based on the full notional value of your Foreign Exchange transaction and expressed as a percentage of the contract value with a fixed minimum charge, commission is directly based on the volume transacted by you. The commission rate maximum fee you will pay is 1% of the full notional value of the transaction.

The minimum Transaction Fee can be up to $20 per transaction at the equivalent foreign exchange rate. Commission is only charged when the Margin FX Contract is initially opened and closed and not each day when it is ‘rolled’. For roll over fees and definition,
refer to section titled ‘Roll Over Fee’ of the Foreign Exchange PDS located on the Halifax web site www.halifax.com.au or phone the office for a free copy on 1300 363 505.

FX Option commission is based on the face value of the underlying Margin FX Contract and is based on the full notional value of your Foreign Exchange transaction and expressed as a percentage of the contract value with a fixed $20 minimum charge at
the equivalent foreign exchange rate. Commission is directly based on the volume transacted by you. The commission rate maximum fee you will pay is 1% of the full notional value of the underlying Margin FX Contract.

Data Fees
If you require ‘live’ data, then, depending on the product you are trading, and where that product is based may then determine if you will be required to enter into a subscription agreement with the associated exchange. Halifax may provide you with this agreement. Halifax does not earn any income from data fee subscription. You are not obligated to enter into a data subscription to open an account
with Halifax.

Interest on Credit and Debit Balances
Unless otherwise negotiated with Halifax, there is no interest applied where your account balance is in credit. If, through negotiation, Halifax offers any interest on your credit balance, then factors which may affect the amount of interest includes the currency in which the account is denominated, a discount to the relevant reference interest rate (for example, if your account is denominated in AUD , the RBA cash rate) and the amount of monies held in excess of your Margin Requirements.

Interest is charged where your account balance is in debit. In this case Halifax may charge up to 3% above the Reserve Bank of Australia (RBA)’s official cash rate.

For a complete description of these products and the terms used, please download a copy of the relevant Product Disclosure Statement (PDS) from the Halifax website www.halifax.com.au or phone the office for a free copy on 1300 363 505.

• Currently, there are no account or management fees involved in opening and maintaining an account with Halifax.
• There is no minimum balance or activity that would incur a fee.

Should there be a change in the fee structure, Halifax will notify you by email, or post a notice to your account or Halifax’s website.

B. How do Halifax’s representatives get paid?
Halifax’s representatives are remunerated by way of a share in the revenue earned by Halifax based on a number of factors relating to their (and Halifax’s) overall performance during the year, this can range from 0% to 100% of fee revenue.

Section 5
Associations and Relationships

A. Privacy Policy
We recognise the importance of ensuring that you have confidence in the way we handle your personal information. Personal information is any information about an individual that identifies the individual or by which their identity can reasonably be ascertained. We will collect personal information from you and use it to provide financial services to you.

We abide by the National Privacy Principles established under the Privacy Amendment Act 2004. We may disclose your personal information to external contractors for the following purposes:

• execution, clearing and settlement of financial products transactions;
• accounting for financial products transactions;
• causing statutory audits to be conducted as required by law;
• maintenance and service of our information technology systems; and
• in the course of reviews by external consultants.

You can be assured that your information will be maintained on a confidential basis by any contractor to whom it is disclosed.

B. A ssociations with other Financial Service Providers

Halifax has established relationships with other service providers to conduct business on your behalf. This does not affect your rights and obligations that you have with Halifax.

Halifax may offer you financial products issued by its associates or third parties, amongst other organizations they may include Margin Lenders, Banks, Brokers, and AFSL holders. Halifax may earn commission on financial products presented to you,
which will be disclosed at the time of the offer. Halifax may earn brokerage and other fees at a rate of 1% to 100% of the fee revenue charged by that entity.

If you choose to use a margin lending facility, Halifax will not give you personal advice or take into consideration your personal financial situation. Halifax only gives general advice on the financial products you use for the margin lending. Please refer to the offer document of the Margin Lender to understand all appropriate risks of margin lending. We may receive referral fees from time to time from Margin Lenders. These will vary depending on the Margin Lender and the balance of your loan. Generally we may earn a fee of up to 1.5% per annum of the notional value.

C. A ssociations with Authorised Representatives
Halifax has relationships with a number of persons whom it has appointed as authorised representatives (Authorised Representatives). Most of those Authorised Representatives provide training and information sessions in relation to financial products. Authorised Representatives may receive commission from us in respect of referrals made to Halifax of your business. The commission they receive will be described in the relevant Supplementary Financial Services Guide given to you.

Section 6
Complaints

We want to know about any problems you may have with the services we provide to you so we can take steps to resolve the issue.

All complaints will be properly handled and investigated promptly. Should you still feel dissatisfied with the outcome, you may take your concerns to an external body for a resolution.

If you have a complaint about the financial services provided to you, please take the following steps:

1. Please contact the Halifax Complaints Officer by telephone, facsimile, email or letter:

Complaints Officer: Attn: Compliance Officer
Office Location: Governor Phillip Tower
Level 40
1 Farrer Place
Sydney NSW 2000
Australia
Telephone: +61 2 9241 4321
Facsimile: +61 2 9241 4331
Email address This e-mail address is being protected from spambots. You need JavaScript enabled to view it '; document.write( '' ); document.write( addy_text46902 ); document.write( '<\/a>' ); //--> This e-mail address is being protected from spambots. You need JavaScript enabled to view it

We have internal dispute resolution procedures that meet the essential elements of Australian Standard 4269-1995 and other minimum requirements set out in ASIC Regulatory Guide 165 (Licensing: Internal and External Dispute Resolution). A copy of these dispute resolution procedures may be obtained by contacting Halifax and requesting a copy.

2. Y ou can also complain to the Financial Ombudsman Service (FOS) in writing at:

Financial Ombudsman Service
GPO Box 3
Melbourne VIC 3001
Telephone: 1300 780 808

Halifax is a member of FIC S’s complaints resolution scheme and its membership number is F-3307.

3. I f you are still dissatisfied with the outcome, then you can contact the Australian Securities and Investments Commission (ASIC ) on 1300 300 630. This is a Freecall Infoline. This is another alternative that you may use to make a complaint and obtain
information about your rights.


Section 7
Compensation

Arrangements
Halifax is covered by a Professional Indemnity Insurance Policy which satisfies the requirements of section 912B of the Corporations Act 2001 (Commonwealth).

Subject to its terms and conditions, the Policy covers certain clients for loss or damage suffered as a result of breaches of the relevant obligations of Halifax, its employees and representatives in relation to its AFS licence.

Subject to its terms and conditions, the Policy also covers certain breaches by the employees and representatives employed by Halifax at the relevant time.

NON-DISCLOSURE AND NON-COMPETE AGREEMENT
(Terms and Conditions of sale)

This Agreement is entered into on the day of electronic signature between Traders International, Ltd. (“Company”) and ________________________ (“Student”).

WHEREAS, the Company offers a training course and support services designed to educate students regarding the trading techniques to be utilized in trading the financial markets which may include but are not limited to the specific Futures and FOREX markets and associated;

WHEREAS, Student desires to enroll in Company’s training course; and
NOW, THEREFORE, in consideration of the mutual covenants and agreements set forth below, Company and Student agree as follows:

I. Training Course
A. Upon the Company’s acceptance of this Agreement, the Company agrees to provide to the Student with instruction in trading via an online eCourse or in a manner selected by the Company. The Company shall provide the Student with materials as the Company deems necessary to instruct and inform the Student about the selected financial markets and selected trading styles/strategies being used by Company.

B. Upon completion of the eCourse set forth in paragraph I.A., above, the Company shall provide the Student with materials to allow the Student to participate in trading simulations. The Company will provide the Student with access to the Traders International Live Trading Room/s for a period of up to 4 months (the "training period"), from the date the student activates his/her access to said rooms. It is understood and accepted that the instructors/room moderators will not provide advice or counsel in the form of individualized or personalized trading recommendations.

II. Payment
One-off Payment. In consideration for receiving the materials and services set forth in paragraph I., Student agrees to pay a sum of $4995.00 up to $9995.00 AUD to the Company, for a one off purchase of a market specific (FOREX or Futures) eCourse (e-learning course). Course value may vary from $4995.00 AUD up to $9995.00 AUD dependent on course inclusions and these inclusions are at Company’s discretion. No refund will be given for any reason after the student receives the course materials, other that the company failing to achieve its 30 Day Performance based Satisfaction Guarantee if appropriate and applied to a sale on an individual case by case and as approved basis.
Payment Plans. In consideration for receiving the materials and services set forth in paragraph I., if Student agrees to use a Traders International approved payment plan, the student may pay a sum equaling $5990.00 AUD, to the Company, for a one off purchase of a market specific (FOREX or Futures) eCourse (e-learning course). Course value (under approved payment plan) may vary from $5995.00 AUD up to $9995.00 AUD dependent on course inclusions and these inclusions are at Company’s discretion. No refund will be given for any reason after the student receives the course materials, other that the company failing to achieve its 30 Day Performance based Satisfaction Guarantee if appropriate and applied to a sale on an individual case by case basis and as approved basis.

III. Non-Disclosure of Proprietary Information
Student acknowledges and understands that Company has devoted a substantial amount of time and effort, and has incurred substantial costs, in developing the course materials, the support services, and all information developed in connection with the training (“Proprietary Information”).

Company’s Proprietary Information includes, without limitation, training course, all written training course materials, marketing and advertising materials and methods, trading methods developed by Company, methods of operations, publications, and business practices. Company derives economic value, both actual and potential, from not having its Proprietary Information generally known or ascertainable by other persons who can obtain economic value from its disclosure or use. Additionally, Company has made substantial efforts to ensure that its Proprietary Information remains secret.

Student understands that during the training course he/she will gain access to Company’s Proprietary Information. While Student is certainly entitled, and in fact encouraged, to utilize all of the information obtained through the training course in pursuing his/her goal of learning successfully to trade futures contracts, Student covenants that he/she will not use said Proprietary Information for any purpose inconsistent with the terms and spirit of this Agreement. Specifically, Student agrees that he/she shall not for any reason, at any time, without the written consent of Company, disclose to any person or entity any of Company’s Proprietary Information.

IV. Covenant Not to Utilize Proprietary Information to Compete with Company
Student covenants that he/she is enrolling in the training course for the
sole purpose of becoming educated with the personal goal of learning to trade futures and FOREX. Student covenants that he/she is not enrolling in the training course for reasons associated with competing with Company’s business enterprise or otherwise obtaining Company’s Proprietary Information for any use inconsistent with the teachings of this training course.

Student acknowledges and agrees that Company has a valid and protectable interest in preserving its business enterprise of offering training courses that teach trading methodologies. Consistent with the foregoing, Student agrees, that for a period of five (5) years after Student enrolls in Company’s training course, he/she will not, directly or indirectly, on behalf of himself or on behalf of or in conjunction with others, as principal, agent, servant, or otherwise, to engage in, or have an interest in, the same or competitive line of business, such as trading hotline, chat room, trading software, or similar business enterprise, now carried on by Company anywhere in the world.

V. Reasonableness and Enforceability
The parties hereto have attempted to limit the restrictive covenants set forth in this Agreement to the extent necessary reasonably to protect Company’s legitimate business interests. Student acknowledges that the scope of paragraph III, restricting the disclosure of Company’s Proprietary Information, is reasonable. Student also

acknowledges that the scope of paragraph IV, restricting the use of Company’s Proprietary Information to compete against the Company, is also reasonable. Notwithstanding the foregoing, the parties recognize that reasonable people may differ in making such a determination. Consequently, the parties hereby agree that if the scope or enforceability of the covenants set forth in this Agreement is in any way disputed at any time, a court or other trier-of-fact may modify and enforce the covenants to the extent that it believes the covenants to be reasonable under the circumstances existing at that time.

VI. Representation
By executing this Agreement, Student represents that:

A. No one affiliated with the Company has guaranteed that utilizing the Company’s trading course will result in profits, or avoid losses; and that Student is encouraged to trade in ‘simulation’ until they have independently proved the trading strategy to be successful and they can independently use the trading strategy confidently, independently and profitably.

B. Student is aware that Futures and FOREX trading involves substantial risk of loss;

C. If Student decides to open a trading account, Student will fund such an account exclusively with risk capital and understands that Student do trade at their own risk;

D. Student is aware that the Company is not registered with the Commodity Futures Trading Commission and is not a member of the National Futures Association, and thus Student will not be afforded certain additional regulatory protections;

E. Any reliance on information provided by the Company is at the sole risk of Student, and if Student participates in transactions based on such information, Student does so at his or her own risk, and that the Company is in no way responsible for any losses incurred by virtue of Student’s participation in such transactions; and

F. Student understands that the Company is not in any way affiliated with or the agent of any futures commission merchant, introducing broker, commodity trading advisor, and/or commodity pool operator, and thus Student agrees to indemnify and hold the Company harmless for the acts of such entities or individuals.

G. Student understands that if he / she opens a trading account, the Company is not responsible for losses incurred by Student as the result of adverse market conditions, poor order execution, data feed problems, technical difficulties, market disruptions or suspensions, or any other circumstances which may occur which may have the effect of hindering Student’s trading.

H. Student understands that if he / she opens a trading account, Student will be charged brokerage commissions per each trade which will limit the student’s ability to profit.

I. Student understands that if he / she opens a trading account, market conditions may make it difficult or impossible for Student to affect trades at desired prices which will limit Student’s ability to profit.

J. Student understands that the Company provides the charts for the Live Trading Rooms utilizing multiple charting platforms that may include (but not limited to) MT4, Ninja Trader, e-Signal and or Future Source, Incorporated. If Student prefers to use any other vendor for real time charting data, it will be the student’s responsibility to set up the charts and indicators accordingly.

K. Student has read and understood all of risk disclosures set forth in the Company’s website, www.TradersInternational.net.au with regard to Futures and FOREX trading and that trading and that these risk disclosures include all appropriate Financial Services Guides and Supplementary Financial Services Guides as available to all clients on the Company’s website, www.TradersInternational.net.au or via our licensee as per the disclaimer below.

L. Student understands that Student’s representations set forth in this paragraph and in this Agreement are conditions precedent without which the Company will not enter into this Agreement.

VII. Dispute Resolution
A. General. Any controversy which touches or concerns this Agreement or Student's enrollment in Company's training course to any degree, however slight, whether it be between Student and Company or any of its shareholders, directors, officers, employees, agents, or affiliates, shall be resolved exclusively by binding arbitration administered by the American Arbitration Association under its rules for commercial disputes. Any arbitration shall take place in Houston, Texas, or as otherwise agreed by the parties.

B. Relief. In any such controversy, the arbitrator may grant any relief, legal or equitable, interim or final, which could be granted by a court of competent jurisdiction. Further, the parties shall have the right to enforce this Agreement and to recover their respective costs and attorney fees incurred in enforcement, including any confirmation, modification, or vacatur proceeding or appeal from such proceeding. Moreover, this clause shall not preclude either party from seeking preliminary injunctive relief from any state or federal court in Harris County, Texas, the parties consenting to the jurisdiction of such court.

C. Authority. This Agreement shall be governed by and interpreted according to the laws of the United States of America and to the laws of the State of Texas. Additionally, this arbitration provision shall survive the termination of this Agreement and is governed by the Federal Arbitration Act. Student waives any objections, which he/she may have based on improper venue or forum non-convenience.

VIII. Term
The term of the Agreement shall commence on the date set forth in the electronic signature block and will continue in full force and effect consistent with the terms and the scope of the restrictive covenants set forth in Sections IV and V, above.

IX. Waiver
The failure of either party to exercise any right or remedy available to it under this Agreement or at law shall not constitute a waiver of the later exercise thereof.

X. Severability
Any invalid or unenforceable provision of this Agreement shall not affect any other provision hereunder and the remainder of the Agreement shall be valid and enforceable to the fullest extent permitted by law. If any provision of this Agreement is held to be over broad, invalid or unenforceable by a court of competent jurisdiction, Company and Student agree that the court may modify or amend such provision to allow for enforcement to the maximum extent permitted under the law.

XI. Entire Agreement
This Agreement contains the entire understanding of the parties and may only be modified by a written instrument signed by both parties. Further, this Agreement shall be binding upon and inure to the benefit of the parties, their heirs, successors, and assigns.

XII. Counterparts
This Agreement may be executed in two or more counterparts, any one of which shall be deemed the original without reference to the others.
Signature as per online signatory/ online signature block correct as at the date of electronic signature.

End of Agreement