PRODUCT INFORMATION PHYSICAL BULLION

PRODUCT INFORMATION PHYSICAL BULLION © 2014 GO MARKETS PTY LTD. ALL RIGHTS RESERVED. ABN 85 081 864 039. AFSL 254963. 1. Important Information 1....
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PRODUCT INFORMATION PHYSICAL BULLION

© 2014 GO MARKETS PTY LTD. ALL RIGHTS RESERVED. ABN 85 081 864 039. AFSL 254963.

1.

Important Information

1.1.

Notes and Disclaimer

This information document is prepared by GO Markets Pty Ltd. All the services mentioned in this document are provided by GO Markets Pty Ltd ABN 85 081 864 039 (“GO Markets”, “GO”, “we” or “us”) unless stated otherwise. The purpose of this document is to help you decide whether Physical Bullion is appropriate for your objectives, situation and needs by providing answers to frequently asked questions. This document does not constitute a recommendation, advice or opinion. It is general information only.

1.5.

Product Covered

This is an information document for Physical Bullion provided by GO Markets. MetalDesk™ is GO Markets’ web-based trading platform, specifically designed for the trading and inventory management of physical precious metals. A range of physical Gold, Silver and platinum bars and coins can be traded through MetalDesk. GO Markets’ Bullion is owned out right by the client, with GO Markets securely storing it on the client’s behalf. Legal title is held by the client and you are able to take physical delivery of the bullion. Physical Bullion therefore enables you to retain complete ownership and control over your investment.

Nothing in this document should be considered as a recommendation to trade Bullion or any other particular product in any way.

Bullion is stored and insured by Malca-Amit & Armaguard, verified by Inspectorate and audited by BDO.

GO Markets does not guarantee the investment performance of Bullion products or the investment performance of the underlying markets.

1.6.

1.2.

2.

How to Contact Us

Name:

GO Markets Pty Ltd

AFSL/ABN:

254963/85 081 864 039

Address:

Phone:

Level 50 120 Collins Street Melbourne VIC 3000 +61 3 8566 7680

Fax:

+61 3 9225 5067

E-mail:

[email protected]

Website:

www.gomarketsaus.com

Please note that your call may be recorded for training and monitoring purposes.

Terms and Conditions

Information provided to you in our product information document is important and is binding on you. Additional legal terms governing our relationship are detailed in the Client Agreement and Terms & Conditions. Please note that GO Markets reserves the right to refuse to open a Physical Bullion account for any person. We also reserve the right to suspend or terminate your trades at any point in time without notice.

1.3. Restrictions on the Distribution of Documentation Distribution of this document outside Australia may be restricted by law. This document is not intended to, and does not constitute an offer or recommendation to trade in Bullion products at any place which, or to any person to whom, the making of such offer would not be lawful under the laws of that jurisdiction. 1.4.

Call Recordings

Applications

If you wish to apply for a Physical Bullion account in paper form, you must complete and return the GO Markets’ application form agreeing to be bound by the contents of this information document, the Client Agreement and the Terms and Conditions. If an electronic Bullion application is completed, you will need to electronically agree that you have read and understood the Client Agreement, the Terms and Conditions and this Product Information document.

GO Markets does not guarantee the performance, return of capital from, or any particular rate of return, of Bullion. Clients should only invest in risk capital (that is, capital you can afford to lose). Please note that the historical financial performance of any bullion or underlying instrument/market is no guarantee or indicator of future performance. GO Markets only accepts Bullion’ order instructions via the electronic trading platform and will not accept order instructions via any other means. GO will provide quarterly statements for Bullion Accounts, including the Cash Balance and Holdings as of statement issue date. Each quarterly statement will provide the total Ounce weight held as the case may be, for each respective type of Bullion and its Prescribed Form in addition to an account activity statement detailing its Cash Balance, all orders, deposits and withdrawals executed during the previous financial year.

3.

Bullion FAQ’s

On the next page, you will find our Bullion FAQ's.

GO MARKETS PTY LTD | PRODUCT INFORMATION | PHYSICAL BULLION

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QUESTION What is MetalDesk™? What precious metals products can I trade through MetalDesk? What is Allocated Storage?

What is a Pooled Contract? Can I take delivery of a pooled contract and what is the minimum delivery?

ANSWER MetalDesk™ is GO Markets’ web-based trading platform, specifically designed for the trading and inventory management of physical precious metals. A range of physical gold, silver and platinum bars and coins. The complete product list can be found on our website. Allocated Storage is the arrangement whereby physical bullion is owned outright by the customer, with GO Markets securely storing it on that client’s behalf as a custodian. Legal title to the metal is held by the client; it does not appear on the balance sheet of either GO Markets or the vault provider. This is considered to be one of the safest forms of bullion ownership. The Pooled Contract allows an investor or trader to gain fractional ownership of a larger bar. GO Market’s pooled contracts are 100% backed by physical bullion. Yes. Pooled contracts are able to be delivered when the client owns the required quantity. The quantity differs per metal type and the minimum delivery quantity can be found in the Terms & Conditions. Simply log in to the MetalDesk trading Platform and ensure you are in your preferred market (please see “How do I change my platform’s market and currency?”). Complete a Deposit Transfer on the “Cash” tab of the “Transfer” page. Once you have completed the Deposit Transfer notification in MetalDesk, you will need to transfer funds from your bank account to the GO Markets Client Trust Account.

How do I fund my Bullion account?

When our bank confirms receipt of your transfer, we will credit your trading account accordingly, usually the following business day. Your trading account will be credited with the amount of funds that finally settle in the Client Trust Account. Some international transfers may incur bank fees, so the amount that settles could be slightly different to the amount that was transferred. There may be other costs applicable to you, such as:  Credit Card payments  PayPal payments  Telegraphic Bank Transfer payments For further information on the above, please see: http://www.gomarketsaus.com/support/funding/fund-account/transaction-costs/

Can I trade as soon as I transfer funds in MetalDesk? How long does it take for my bank transfer funds to be credited to my MetalDesk trading account? Can I purchase bullion if I have insufficient funds in my MetalDesk Account to cover the cost? What are Reserved Funds? How do I change my MetalDesk platform’s market and currency?

You can only trade once GO Markets has received the cleared funds in the Client Trust Account and your MetalDesk account has been credited. This usually occurs on the next business day following your transfer. Your MetalDesk trading account is usually credited with funds by the next business day.

MetalDesk will not allow a negative balance in your cash account; you can only purchase bullion with a total trade cost up to the value of clear funds in your trading account. When you place a Buy Limit Order in the market, the value of the limit order is subtracted from your available cash balance and the funds move to your “Reserved Funds”. These funds will remain as “Reserved” until the order is either executed or cancelled Log in to MetalDesk, go to the SETTINGS page and select the desired market and currency (Australia - AUD or Global - USD) from the “GENERAL / MARKET” drop-down menu. Please don’t forget to save your selection. Orders can be placed by first selecting the desired product and vault location. The order ticket window will appear when either the Buy or Sell button is clicked.

How do I place a trade?

Note that the default order type is a Market Order. If the Buy (green) or Sell (red) price is selected from the market depth, the order ticket will still appear, but the default order type will be a Limit Order.

GO MARKETS PTY LTD | PRODUCT INFORMATION | PHYSICAL BULLION

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What order types are available?

What is the Trade Cycle?

Why does GO Markets operate with a 2-week Trade Cycle?

What coins are available for trading on MetalDesk?

Clients are able to place either Market Orders or Limit Orders. These orders are described in the “What is a Market Order?” and “What is a Limit Order?” questions. GO Markets operates on a 2-week trade cycle. The trade cycle starts on the Friday and ends on the Thursday, two weeks later. The following trade cycles starts on the Friday, and the pattern is repeated. Following the end of a trade cycle, Liquidity providers have until the following Friday to meet their bullion delivery obligations by depositing bullion into the GO Markets Vault Network. GO Markets is able to provide extremely competitive pricing on its bullion products by allowing its Market Makers and Liquidity Providers the ability to amalgamate orders over a 2-week period and deposit larger quantities into the vaults at one time. The following bullion coins are able to be traded on Bullion:  Gold Coins Coin Name

Mint

Fineness

American Buffalo Australian Kangaroo

The United States Mint The Perth Mint

99.99% 99.99%

Austrian Philharmonic

Austrian Mint

99.99%

Canadian Gold Maple Leaf

Royal Canadian Mint

99.99%

Chinese Gold Panda

The China Mint

99.9%

 Silver coins Coin Name

Mint

Fineness

American Eagle

The United States Mint

99.9%

Australian Kookaburra/Koala

The Perth Mint

99.9%

Austrian Philharmonic

Austrian Mint

99.9%

Canadian Silver Maple Leaf

Royal Canadian Mint

99.99%

Chinese Silver Panda

The China Mint

99.9%

 Platinum Coins

Can I deliver my own coin collection to GO Markets for trading on MetalDesk?

Coin Name

Mint

Fineness

Canadian Platinum Maple Leaf

Royal Canadian Mint

99.95%

You cannot deliver your existing coin collection to the GO Markets Storage Network. As GO Markets operate an allocated, unsegregated market place, our main objective is to maintain integrity in the bullion that is stored in our vault.  Gold Products

What specific Products are available for trade on MetalDesk?

Product

Minimum Fineness

Minted Coins

Varies

1/2oz Pool GD

99.50%

10oz Swiss Bar

99.99%

1kg Gold Bar

99.99%

Notes See “What coins are available for trade on MetalDesk?” The ½ fine troy ounce gold pooled contract is backed by gold cast bars bearing a serial number and identifying stamp of an approved refiner. Backed by 10oz gold minted bar bearing a serial number and identifying stamp of Credit Suisse. Backed by 1kg (32.148 fine troy ounces) gold cast bar bearing a serial number and identifying stamp of an approved refiner.

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 Silver Products Product

Minimum Fineness

Minted Coins

Varies

1oz Pool GD

99.90%

10oz NTR Minted Bar

99.90%

1kg Bar

99.90%

100oz Bar

99.90%

Notes See “What coins are available for trade on MetalDesk?” The 1 troy ounce silver pooled contract is backed by silver cast bars bearing a serial number and identifying stamp of an approved refiner. Backed by 10oz silver minted bars bearing serial number and identifying stamp of NTR Metals. Backed by 1kg silver cast bars bearing serial number and identifying stamp of an approved refiner. Backed by 100oz silver minted bars bearing serial number and identifying stamp of an approved refiner.

 Platinum Products

How do I select a product to trade in MetalDesk??

How do I select the trading hub/vault that I want to trade from?

Why would I elect to trade in a different trading hub?

Product

Minimum Fineness

Minted Coins

Varies

1oz Pool GD

99.90%

10oz NTR Minted Bar

99.90%

1kg Bar

99.90%

100oz Bar

99.90%

Notes See “What coins are available for trade on MetalDesk?” The 1 troy ounce silver pooled contract is backed by silver cast bars bearing a serial number and identifying stamp of an approved refiner. Backed by 10oz silver minted bars bearing serial number and identifying stamp of NTR Metals. Backed by 1kg silver cast bars bearing serial number and identifying stamp of an approved refiner. Backed by 100oz silver minted bars bearing serial number and identifying stamp of an approved refiner.

MetalDesk has a column on either side of the “Trade” dashboard. These product lists can display any of the following product lists. These lists can be filtered using the “Sorting” dropdowns at the top of both columns.  Market - a list of products in the GO Markets market  Watch - a list of products you’ve added to your “Watchlist” (see “How do I add products to the watchlist?”)  Holdings - a list of products that are in your holdings with GO Markets The lists will only show products and trading hubs that trade in the currency selected (see “How do I change my MetalDesk platform’s market and currency?” for more information). You can select a product to trade by clicking the product of interest in the either of the lists. The center panel will update with the pricing data and chart relevant to the selected product. The trading hub or vault can be found by clicking the sorting tab at the top of the product list on either side of the screen. This will reveal the vaults and whether you want to see only one or all metals in the product list. Trading hub selection gives you the flexibility to have your bullion stored in the city of your choice should you choose to take delivery at a future date in that city. In the settings section you have the choice of AUD or USD. When AUD is selected you will have a choice of the 5 major Australian cities. When USD is selected you will have the choice of the Australian (currently Adelaide, Brisbane, Sydney, Melbourne and Perth) and Global vaults (currently Bangkok, Hong Kong, London, New York, Shanghai, Singapore, Zurich and Sydney).

GO MARKETS PTY LTD | PRODUCT INFORMATION | PHYSICAL BULLION

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What is a Market Order?

What is a Limit Order?

What is a Trade Confirmation?

What is the Delivery Date? I’ve sold some bullion, when will I see the funds in my MetalDesk account?

I’ve purchased some bullion, when will the funds be withdrawn from my metal desk account?

The prices that are quoted in MetalDesk will then be displayed in either AUD or USD. Holdings are only shown in the currency that they were purchased in. A Market Order is an order which is placed into the market for execution at the current market price. The quantity can be set on the order ticket using either the plus and minus buttons or by typing the desired quantity into the input box. When a Limit Order is placed you can also choose to trade at a particular price that you are willing to pay. First select the quantity the press plus or minus sign to raise or lower the price by the fixed amount of 50 cents. When a trade is made, MetalDesk will automatically generate a Trade Confirmation including information such as Trade Date, Trade Value, any applicable fees and other details associated with the trade. The Trade Confirmation will also detail the delivery information - e.g. the bullion delivery status (‘Not yet deposited’ or ‘Deposited’ and when the bullion will be in the vault if it’s ‘not yet deposited’). The Delivery Date is the date the bullion will be delivered to the trading hub and securely stored in the vault. When you sell your holdings through the MetalDesk platform the consideration for the trade will appear in your MetalDesk Cash balance immediately. The amount you receive will be equal to the value of the metal sold less the trade execution fee. When you place an order through MetalDesk, the funds will be withdrawn from your available cash balance as the time of the order confirmation. If you have placed a limit order into the market, your funds will transition from your available cash balance into your ‘Reserved Funds’. The funds will remain here until the open limit order is executed or cancelled. If the order is executed, the funds will be instantly transferred to the purchasing party. If the order is cancelled, the funds will be returned to your cash balance. If you have placed a ‘Market Order’ in MetalDesk, your cash balance will reduce at the time of order confirmation and your holdings will increase. You receive title to the bullion you have purchased at the time the trade confirmation is generated

I’ve purchased some bullion, when will I receive title for the bullion I’ve purchased?

When will bullion I’ve purchased arrive in the Vault?

My holdings aren’t showing up in MetalDesk.

How are storage fees calculated?

How much does storage cost?

What does Bullion Vault Status mean? When will I start paying for the storage of my holdings?

You will receive title to the bullion you have purchased at the time the trade confirmation is generated. Once the trade has been executed, your holdings will be visible in the ‘Holdings’ sub-section of the ‘Reports’ tab in MetalDesk. All Trade Confirmations that are generated by MetalDesk will have a ‘Bullion Vault Status’ detailed. Bullion that is marked as ‘To Be Deposited’ will be delivered to the relevant vault by the ‘Delivery Date’ as listed on the Trade Confirmation. Some trades will be executed on Deposited bullion, which is bullion that is already in the GO Markets Storage Network. If this is the case, the ‘Bullion Vault Status’ will be ‘Deposited’, and the value date and delivery dates won’t be on the confirmation. The most likely reason for your holdings not to show up is that you might be looking at the wrong market place within MetalDesk. The AUD and USD markets operate independently of each other. If you have made a purchase in the USD market, it won’t show as holdings if you’re looking at your AUD holdings report (and vice versa). You can change the market that you’re looking at in the ‘Settings’ tab within MetalDesk. You can also see which marketplace you are currently trading on by looking at the light grey bar along the top of the platform. Storage fees are calculated daily, and charge monthly. You will only pay storage on the bullion that you hold at 6:00pm local time in each trading hub. Bullion that you own that has not yet been delivered to the vault will not accrue storage fees. You will pay storage fees at the annual rate that has been agreed between yourself and your broker, or GO Markets. Storage fees are paid in arrears. The annual storage fee that you are charged is negotiated directly with your broker. They are as follows: Gold (% pa) 2.0 %

Silver (% pa) 2.0 %

Platinum (% pa) 2.0 %

Bullion Vault Status appears on the trade confirmation. It will display Deposited or To Be Deposited. The former is already in the vault as at time of trading. The latter means that the bullion will be physically located in the applicable vault by the delivery date indicated on the confirmation note. You will only start paying for your bullion holdings once they have been delivered to the GO Markets Storage Network. All gold, silver and platinum products will incur storage fees while GO MARKETS PTY LTD | PRODUCT INFORMATION | PHYSICAL BULLION

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How do I pay my storage fees?

What are the benefits and advantages of storing my bullion with GO Markets storage and logistics partners?

What costs are involved in withdrawing bullion? How do I pay the withdrawal fee? If I withdraw bullion holdings, can I deposit them back into GO Markets’ storage network?

in a GO Markets Vault. You will be emailed an invoice for your storage fees at the end of each month. These fees can be paid using your available cash balance in MetalDesk. Should you not have the funds available, you can pay directly in the bank account listed on the invoice.  Liquidity – GO Markets’ market consists of deep institutional pools of physical liquidity throughout the market.  Holdings Management through MetalDesk – This means little to no administrative burden for you.  Cost Effective – The efficiencies generated through locational trading ultimately equate to substantial cost savings on a trading, storage and logistics basis. Similar to exchanges; market forces and customer sentiment allows for true price discovery, as opposed to customers merely seeing a bullion dealer’s spread (buy/sell price differential). The prices at any point in time will reflect the demand and supply forces for a particular trading location, determined through the direct interaction of buyers and sellers.  Audited Holdings – GO Markets submits itself to dual-layered, annual and random audit, stock take and compliance checks by independent, industry leading audit and inspection firms to ensure and verify accurate in-vault customer bullion holdings.  Secure – GO Markets has partnered with independent vaulting and logistic companies to provide comprehensively insured storage. Insured: against loss, theft and damage.  Global Trade – Trade and take delivery of physical metals in locations around the world, including Australia, Singapore, Shanghai, Hong Kong, Bangkok, Dubai, London, Zurich & New York. Ability to shift title and wealth around the world instantly and seamlessly. GO Markets charges a 1.0% withdrawal fee and passes on the associated freight and logistics charges. The withdrawal fee can be paid with by using the funds in your MetalDesk trading account, or by transferring funds to GO Markets with a wire transfer. Your bullion will be withdrawn from the GO Markets storage network once your withdrawal request invoice has been settled. No. If you choose to withdraw bullion form the GO Markets storage network, you will not be able to sell the bullion through GO Markets’ MetalDesk platform. If you wish to sell, you will need to sell your holdings through some other, off market method.

How can I sell bullion once I’ve withdrawn it from GO Markets?

How do I withdraw bullion? What are the costs associated with withdrawal? Are there charges to withdraw my funds? How long does it take to receive my withdrawn funds? How do I withdraw my funds from the Client Trust Account? Do I get interest on my bullion account?

All trading participants operating through GO Markets need to comply with the terms and conditions set out in their respective account agreement and the GO Markets Quality Assurance Framework (QAF). The QAF identifies the requirements for bullion coming into the GO Markets Storage Network. Only Market Makers, Liquidity Providers, Prime Brokers and White Label Partners are able to deposit bullion. The bullion being deposited must be either:  Direct from the refiner; or  From the depositing member’s storage facility with an accompanying bar list, stating the refiner, serial number and receiving location for each of the bars being deposited. A completed paper trail from the refiner to the GO Markets Storage Network needs to be established before bullion can be accepted for deposit. Withdrawal requests can be submitted on the MetalDesk trading platform under the ‘Transfer’ section and are processed within two working days. The bullion can be delivered to the clients business address (client pays delivery charges) or client can pick up from the vault (certain locations only). Withdrawals are charged at the rate negotiated between you and your Broker (r.r.p. 1.0%) plus any freight or shipping charges. GO Markets does not charge you to withdraw your funds from the Client Trust Account. You will be liable for any bank fees and charges incurred when making non-AUD withdrawals as these withdrawals usually involve an overseas wire transfer. Following receipt of your Withdrawal request, GO Markets will make an electronic transfer to the bank account details on file. These funds are usually available in the customer’s bank account on the following day. Log into your MetalDesk account and request a withdrawal by completing a Cash Withdrawal Transfer on the TRANSFER page. On receipt of this MetalDesk withdrawal, GO Markets will transfer the funds electronically form the Client Trust account directly to the bank account details we have on file. You will usually receive the funds on the following business day. No.

GO MARKETS PTY LTD | PRODUCT INFORMATION | PHYSICAL BULLION

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What fees and charges does GO Markets charge to trade on MetalDesk?

What is the Execution Fee?

GO Markets only charges the following fees:  Execution Fee - calculated as a percentage of the value of the trade and added at the time of execution.  Storage Fee - calculated based on the value of holdings at the end of day and charged monthly.  Withdrawal Fee - calculated as a percentage of the value of the withdrawal and charged at the time the withdrawal request. Withdrawals may also be subject to freight charges. GO Markets does not charge any monthly fees for the use of or access to the MetalDesk trading platform. This is the fee charged by GO Markets for all Buy and Sell transactions made on the MetalDesk platform.

4. Benefits of Trading Bullion 4.1.

Physical Bullion

Stored in Australian vaults, not a paper contract. You can withdraw your bullion at any time, as well as retaining complete ownership and control over your investment. 4.2.

Security

Your bullion is locally stored and insured by Armaguard, verified by Inspectorate, audited by BDO. 4.3.

Online Trading Platform

MetalDesk allows you to monitor live market prices and enables instant order execution and trade settlement. 4.4.

Holdings Management

Allows you to monitor your bullion inventory. Interactive charts show your holdings for each precious metal category and for the specific bars and coins held. 4.6.

Quoteboard

Provides the ability to gain a snapshot of the entire market. 4.7.

Customisable Watchlist

MetalDesk enables you to organise and focus your precious metal trading by creating watchlists to keep a close eye on the products that you are most interested in. 4.8.

Full Account Activity Reporting

24 hour access to live and historic account activity.

5.

5.1. Client’s Money Your funds are held in GO Markets’ client trust account and are comingled with the funds of all of our other clients. Subject to the Corporations Act, your funds kept in GO Markets’ client trust account can be used for the purposes of covering payments for other clients and meeting GO Markets’ margin requirements with its OTC Derivatives Providers. This means that you may potentially suffer losses as a result of default by another client where money from the client trust accounts is applied to cover that client’s payment obligations. Moreover, you may not receive all the money held by GO Markets on your behalf in the client trust account if there is a deficit in the client trust account and GO Markets becomes insolvent or is otherwise unable to pay the deficiency.

Full Market Depth

Shows all the price levels available in the market for each precious metal product traded, giving an indication of total market demand and supply. 4.5.

Accordingly, you should not rely on this information document or use it as the sole or principal basis for your investment decision in relation to Physical Bullion.

Risks of Trading Bullion

GO Markets recommends that you obtain independent professional advice and carefully consider whether Physical Bullion is appropriate for you in light of your knowledge, experience and financial needs and circumstances.

5.2. Electronic Trading Platform Risk You shall be responsible for providing and maintaining the means by which to access the electronic trading platform, which may include without limitation a personal computer, a modem and telephone, or other access line. While the internet and the World Wide Web are generally reliable, technical problems or other conditions may delay or prevent access thereto. If you are unable to access the internet and thus, the electronic trading platform, it will mean you may be unable to trade in a Bullion product offered by GO Markets when desired and you may suffer a loss as a result. Furthermore, in unforeseen and extreme market situations, such as an event like September 11, or a global catastrophe, GO Markets reserves the right to suspend the operation of the electronic trading platform or any part or sections of it. In such an event, GO Markets may at its sole discretion (with or without notice), close out your open contracts at prices it considers fair and reasonable at such a time. GO Markets may impose volume limits on client accounts, at its sole discretion. You should note that you do not have the power to direct us in the exercise of our discretions. Please also note that such measures would only be implemented in extreme market conditions, and such discretion only reasonably exercised in the best interests of the client.

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5.3. No Cooling Off There are no cooling-off arrangements for Bullion transactions. This means that you do not have the right to return the product, nor request a refund of the money paid to acquire the product.

6.

Privacy Policy

Your privacy is very important to us and we are committed to compliance with the Privacy Act and the National Privacy Principles. The information you provide to GO Markets and any other information provided by you in connection with your Account will primarily be used for the processing of your Account application and for complying with certain laws and regulations. GO Markets will NOT disclose your personal information to other third parties without your consent, except as authorised or required by privacy laws. We may use this information to send you details of other services or provide you with information that we believe may be of interest to you. Full details of our privacy policy are available from our website at www.gomarketsaus.com

7.

8. Anti-Money Laundering and Counter-Terrorism Financing By applying for a Bullion Account, you are taken to agree to the following terms:  You are not aware and have no reason to suspect that: > the money used to fund your Bullion account has been or will be derived from, or related to any money laundering, terrorist financing or other activities deemed illegal under the applicable laws or otherwise prohibited under any international convention or agreement (“illegal activities”); or > the proceeds of your Bullion Account will be used to finance illegal activities;  You agree to promptly provide us with all information that we reasonably request in order to comply with our obligations under all applicable laws. Please note that GO Markets DOES NOT accept payments from or make payments to any third parties. In no circumstances does GO Markets accept cash deposits either. In accordance with applicable laws, GO Markets reports, where necessary, any suspicious matters to AUSTRAC.

Dispute Resolution

GO Markets wants to know about any problems or concerns you may have with our services so that we can take necessary steps to resolve the issue. In the event that you are dissatisfied with any aspect of our products or services, please give us the opportunity to investigate and answer your questions. All bullion complaints will be handled and investigated internally by GO Markets to resolve any complaints or concerns you may have, as quickly and fairly as possible in the circumstances. If you wish to lodge a complaint about the services provided to you, firstly compile all of the documents that relate to your complaint and any questions that you wish to have answered. Any complaints or concerns should be directed to the GO Markets’ Support Team and/or your Account Manager (by telephone, e-mail, or letter) at the address and telephone numbers provided in Section 1 of this information document. Please note that if you phone your complaint in then we may ask you to e-mail us the full details as well. Our compliance team will then attempt to review the situation and resolve within 2 (two) business days if possible. GO Markets will investigate your complaint, and provide you with its findings and decisions, and the reasons on which it is based, in writing.

This Product Information is prepared on September 3, 2014 and issued by GO MARKETS PTY LTD ABN 85 081 864 039 AFSL NO. 254963

GO MARKETS PTY LTD | PRODUCT INFORMATION | PHYSICAL BULLION

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