This Financial Services Guide (FSG) is designed to help you make an informed decision about the financial services and products Mondial Assistance provides. It explains the financial services that Mondial Assistance provides. It also contains information about who Mondial Assistance is, how it is remunerated in relation to these services and how your complaints are dealt with.

The second part of this document is a Product Disclosure Statement (PDS), which sets out the significant features and relevant risks of this insurance product and is designed to assist you to make informed choices about this product.

ABOUT MONDIAL ASSISTANCE

ETI Australia Pty Ltd trading as Mondial Assistance (Mondial Assistance) is an Australian Financial Services Licensee (AFS Licensee) authorised to deal in general insurance products on its own behalf and others. Mondial Assistance has been authorised to act on behalf of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), in dealing in travel insurance issued by Allianz as the insurer. In issuing, varying or cancelling the insurance, Mondial Assistance acts under a binder which means that Mondial Assistance can do these things as if Mondial Assistance were the insurer. Mondial Assistance does not act on behalf of you.

GENERAL ADVICE WARNING

It is important you understand and are happy with the products Mondial Assistance arranges. We can give you general product information but cannot provide you with personal advice on whether the product is appropriate for your personal needs or objectives.

REMUNERATION

Mondial Assistance receives a service fee calculated as 40% to 41% of gross premium for the financial services it provides on behalf of Allianz. These services include preparation and distribution of the PDS and Certificate of Insurance, claims handling, medical underwriting, emergency assistance, general operating costs, finance administration costs, compliance costs, training costs and IT systems. Our staff are salaried employees who do not receive payments based on the number of products issued or advice given.

Mondial Assistance may also pay other persons who refer their customers to it a commission which is a percentage of the commission of the premium paid (or an agreed fee). This is only paid if the customer buys a policy.

IF YOU HAVE A COMPLAINT

If you have a complaint, Mondial Assistance has an internal dispute resolution system designed to seek to resolve any complaints or disputes that may arise. To access it please contact Mondial Assistance on 1800 077 522. If you are still not satisfied after the internal dispute resolution process, you may contact the Insurance Ombudsman Service Limited for advice via phone on 1300 780 808.

This FSG was last prepared on 01 June 2006 and remains valid until a further FSG is issued to replace it.