Are you Aussie’s next franchisee?

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Welcome to Aussie

ContentsWelcome to Aussie 2

How strong is the 3 Aussie Brand?

Is Aussie more than 4 just home loans?

How does Aussie 5 software support my business?

Is Aussie’s training 6 and support as good as they say?

How can you market 7 your business?

So what is Aussie Retail? 8

So why is Aussie 9 right for me?

What do our franchisees 10 have to say?

Where to from here? 11

Thank you for your interest in an Aussie Retail Franchise opportunity.

For over 22 years, Aussie has worked hard to build the leading brand in the mortgage broking industry and the main reason for that has been our people. They are critical to Aussie’s success and we want to make sure that every person considering Aussie has all of the information they need to make the right decision. I hope that you find this booklet informative and that it provides you with a clear idea of what’s involved in becoming an Aussie Retail Franchisee.

We’ve come a long way since 1992, starting out by selling our own home loans, then moving into new products such as personal loans and then in 2002 listening to what our customers wanted and becoming a mortgage broker. This has seen our sales force go from strength to strength and I am proud to say we still have people with us from those early days. As an Aussie franchisee, owning and operating your own Aussie store, you will receive plenty of support to give you every opportunity to build a successful,rewarding business that can grow into a valuable and saleable asset.

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If you have the drive and determination to make your business grow, and you’re not afraid of rolling your sleeves up and investing time and effort into your Aussie Retail Store, then you’re just the person we’re looking for.

Again, I invite you to read through this booklet to discover more about the Aussie Retail opportunity, whether that is starting up a new Aussie Store or purchasing an existing one. If at any stage you have any questions, please don’t hesitate to contact the retail recruitment team.

John Symond Executive Chairman, Aussie.

How strong is the Aussie brand?Aussie currently has a loan book worth in excess of $60 billion. We enjoy the loyalty of over 250,000 valued customers.

Your small business can be ‘big’ business with the backing of Aussie - one of Australia’s leading brands.

Since its establishment in 1992, Aussie has grown to become one of Australia’s most respected and recognised brands.

We are unashamedly proud that Aussie is one of the nation’s most consistently awarded broker groups. Our quality Aussie products have received multiple industry and consumer awards.

But accolades are meaningless if our customers don’t benefit. Our growth confirms we’ve been successfully doing just that for over two decades.

Aussie has won Mortgage Broker of the Year for seven years running.

Is Aussie more than just home loans?Aussie built its business on home loans. But today, we offer much more providing our franchisees with a range of products and services to suit almost every customer.

Home Loans

Aussie has its own branded home loan product as well as hundreds of loans from the 19 lenders currently on our lending panel, including the 4 major banks. Over 95% of all loans written in Australia are available through our lending panel, so you can feel secure knowing your customers have the latest products to choose from.

AUSSIE RETAIL STORE

• Home Loans

• Mortgage Protection Insurance

• Home & Contents Insurance

• Personal loans

CUSTOMERS

Insurances

Aussie has partnered with a number of leading insurance providers to offer our customers a better deal on insurance products. The process is designed to be quick and easy and provide the right cover and right price.

Personal Loans

An Aussie personal loan is a simple and effective way for our customers to manage their finances and achieve their goals without having a debt hanging over their heads forever.

How does Aussie Toolbox support my business?

There are hundreds of different loans available for the Australian consumer, all with different interest rates, fees and features.

Our state of the art Toolbox system provides the platform for you to provide fast and accurate information to your customers and build functional CRMs to ensure your on-going service is just as good as your initial service.

Product search

There are hundreds of different loans available for the Australian consumer, all with different interest rates, fees and features. Aussie’s exclusive loan comparison tool allows our franchisees to search through the maze of loans from our panel of leading lenders and provide the products that best suits the customer in a matter of minutes. Even better, our Toolbox system is updated daily with any product, rate, fee and feature changes so you can feel confident your customer is getting the very latest and up to date information.

Electronic Lodgement

Aussie works closely with our panel lenders to ensure you can lodge electronic applications for your customers immediately, whilst still in their home or in your store.. Online applications reduce paperwork and speed up applications which is absolutely essential in the current market place.

Real time loan status updates / pipeline management

Our Toolbox system works in conjunction with our lenders and allows them to send real time loan status updates so that you can keep you customer constantly informed about their loan application

CRM

Post settlement interaction is just as important, if not more, in maintaining your relationship with you customer. Aussie’s CRM system is designed to make this simple and effective and increase your opportunities for additional business as well as customer referrals.

Customer interview

Lodge online application

Provide supporting paperwork

Loan approval issued

Is Aussie’s training and support as good as they say?

Aussie has a deserved reputation within our industry as providing leading training and support.

• Retail Business Consultant

• State Manager

• Local area Marketing Manager

• Credit Coach

• IT support desk

• Lender BDMs

• Business plans

• Marketing plans

• Cashflow forecasting

• Promoting your store

• Building networks

• Leading your team

• Creating and managing your CRM system

FRANCHISE

SALES SUPPORT

BROKER ADMIN

Aussie has developed a Learning and Development curriculum to support and develop our franchisees.

This allows them to establish, build and grow their business by understanding the business fundamentals and technical elements and skills required to be a successful franchisee.

In addition to the many face to face training program Aussie runs, it also has an on-line learning portal designed to ensure our franchisees have the flexibility to learn in a place and at a time that suits them.

Diploma is delivered in conjunction with normal delivery

Outcome: Diploma of Financial Services

Business Planning in conjunction with an identified mentor and Retail Business Coach

Outcome: Business plan

Franchisee is placed (if required) with a suitable FP and is able to shadow them

Outcome: Working knowledge of recruitment, local area marketing, customer relationships, procedures and processes

Attendance at approved program, currently Maximus - all about leading and managing their people

Outcome: Short course completion and people plan to implement

Intensive Business Plan review and placement in a short course if required

Outcome: Short course completion and amended business plan (if required)

QBF recognition of

2 year Accredited Mentor Program

“12 month celebration” of Aussie Franchisees

Outcome: Full review and developed 5-year plan

1-3 Wk

4-5 Wk

6-7 Wk

6 Mo

9 Mo

1 Yr

2Yr

BEST CAREERDEVELOPMENT PROGRAM

BEST EDUCATION& TRAINING

How can you market your business?

Local area marketing is the key to growing your customer base and developing key referrer networks.

Direct mail and local press

Letters to pipeline customers

Customer surveys Customer loyalty rewards Email marketing

Aussie franchise web page

Aussie franchise facebook page

This not only includes your typical local press, radio and flyer marketing, but also local sponsorships, business groups, chambers of commerce and more.

Aussie has developed a range of collateral and communications designed to promote your retail store locally and generate more opportunities for you.

put yourself ina better place

BEST ADVERTISING, MARKETING AND

PROMOTIONAL CAMPAIGN

BEST USE OF SOCIAL MEDIA

Television & Radio commercials

So what is Aussie Retail?Aussie Retail refers to our franchisees operating an Aussie Store. Ideally, our stores are located in shopping strips or shopping centres,with good frontageand signage exposureand located near goodfoot traffic generatorsand related businessessuch as real estateagents, solicitors, banks and accountants.

What opportunities are available?

Aussie has vacant territories available as well as some stores for sale. You will need to have a further discussion with the relevant State Manager to determine what these are and whether you wish to investigate further.

Franchise territories

Each of our Retail Franchisees has a defined referral territory. These territories . are based on dwellings to ensure an even distribution amongst regions and states and to ensure that all of our Retail Franchisees have an even opportunity for success.

Retail Stores

The Aussie retail team will work with successful franchise applicants to secure premium retail sites that offer excellent exposure and have adequate size for future growth. A site that has a great location and superior signage provides greater opportunity for walk in leads and a high level of customer awareness of your store.

Ideally, our stores are located inshopping strips and shopping centres withgood frontageand signageexposure

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Our franchisees

Aussie franchisees come from a variety of different backgrounds. Whilst experience in the mortgage industry is an advantage, our experience indicates that it is not essential in becoming a successful retail franchisee. If you have a genuine desire to help your customers, have sufficient capital available and want to become a leader within your local community, then we would like to talk with you further

For store purchases, the price will dependon the store location, the size of the loanbook being sold, and how much newbusiness is being written each month. Talkto the retail recruitment team for furtherdetails on opportunities in your state.

.

So why is Aussie right for me?Aussie is the market leading brand in the mortgage broking industry.

Customers know and trust John and Aussie and rely on them to help them through the most important financial decision in their life – buying a home. Aussie consistently ranks number 1 in brand surveys and almost every consumer in Australia instantly recognises John and Aussie – just ask them!

Aussie also offers a competitive un-capped upfont and recurring commission structure that helps you build a saleable asset. Also, as a true franchise system, Aussie has the systems and support structure in place to help your business grow.

Aussie is a multi-channel business so there are a number of career paths available. If you are interested the lower entry cost model, then becoming a mobile broker OR a retail broker working from one of our retail stores could be the right option.

Becoming an Aussie franchisee offers you so much. Consider the following:

a. Control your own destiny by becoming a business owner in a genuine franchise model

b. Leverage the Aussie brand and systems to grow your local business

c. Benefit from an upfront and ongoing recurring income stream

d. Build genuine referrer relationships knowing you have a strong product suite to choose from

e. Enjoy industry leading training and support designed to help your business grow

f. Utilise Aussie’s proven compliance processes and systems

g. Build yourself a saleable business

Market leading brand

Generate local networks

Competitive commission structure

Ongoing training, support and business coaching

Ongoing leads

State of the art Toolbox system

Industry recognised diploma accreditation

Build a saleable asset

Wide range of lenders

Extensive products

AUSSIE

MOBILE BROKER

SENIOR BROKER

RETAIL FRANCHISEE

RETAIL BROKER

George Bergstrum – Sunnybank, Qld4 stores

What do our franchisees have to say?

Here is a look at what some of our Aussie franchisees have to say about their experiences with the brand.

Paul Filing – Multi Franchise Owner, WA7 stores

Owning your own business is every Australian’s dream. With Aussie I have one of the nations most recognised and trusted brands behind me – so I know I’ve got the right formula to succeed.Before investing in an Aussie franchise, I worked as an Aussie Broker, later moving to become an Aussie Mobile Sales Manager. I was so impressed with the brand and the support Aussie gives it franchisees, I decided to open my own franchise. In fact, I’m Aussie’s first Franchisee! With the help of my team, and the backing of Aussie’s tools and products, I know I can deliver the best customer proposition possible.

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I started with Aussie more than 8 years ago and since that time I have grown exponentially - both personally and professionally! I’ve gone from being an Aussie mobile broker to owning five Aussie Retail stores. I now have the fantastic role of managing more than 17 people and am a member of the prestigious Chairman’s Club. For me, the key elements that attracted me to Aussie are the elements that continue to support my business growth - Aussie’s brand reputation, John Symond and Aussie’s attitude to growth. Aussie gives me the opportunity to grow within a dynamic organisation with excellent leadership which is incredibly rewarding!

Michael Barnard – Sunbury, VIC

As Principal of the Aussie Sunbury store there is nothing I enjoy more than helping customers achieve their goal of owning their own piece of Australia - that being a home. For me, Aussie provides me with a strong brand from which I can build lifelong relationships with my customers. Aussie supplies a flow of quality leads, significant support / assistance, targeted marketing and the strength of the Aussie brand. So far my greatest achievement is growing my loan book to over $100 million in less than three years - that’s helping hundreds of customers achieve their dreams!

Tik Kamtam – Baulkham Hills, NSW

As an already successful Aussie Broker, I jumped at the opportunity to open my own Aussie Franchise. I know that Aussie is a trusted brand with an outstanding management team that supports its brokers, and Aussie’s Mortgage Explorer software system is one of the most sophisticated in the market. I work extensively within my own community so I need to ensure that I am giving my customers the best service and products available in the market. Aussie gives me the confidence to align my personal credibility with my professional credibility. That makes me proud to be a part of the tremendous future that lies ahead for Aussie.

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Where to from here?

If you are interested in finding out more, let’s meet to discuss!

We will provide you with more information including cash flow requirements and work with you to develop a business plan.

Any questions you have we are here to help.

Please contact Andrew Dunreath-Cooper, our Senior Manager Retail Operations, by emailing andrew.dunreath-cooper@aussie.com.au or by calling 02 8297 0025 or 0411722294

Visit: www.aussie.com.au/franchising

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