Financial Services Guide The following FSG applies to the publishers of Trident Confidential, Trident investment Management Pty Limited and also Lance Spicer. It does not apply to Trident Press Pty Limited, the publishers of the books of this site. Trident Press Pty Limited is not a Licensed Financial Adviser, however Lance Spicer is. Purpose of this Financial Services Guide This FSG has been prepared & issued on the 1st June 2010 by The International Securities & Derivatives Group Pty Ltd, holder of an Australian Financial Services Licence (AFSL#22754). 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 we may receive in relation to financial services offered; and Provide you with details of our complaints and dispute resolution process. How can you contact us? Office Address 4406 / 4 Yarra Street Geelong Victoria, 3220 Postal Address PO Box 479 Geelong Victoria, 3220 Telephone: (03) 9015 9644 Facsimile: (03) 9011 9636 Email: info@isdg.com.au Website: www.isdg.com.au What Financial Products & Services can we provide? We have been granted a license to carry on a financial services business to: (a) provide financial product advice for the following classes of financial products: (i) derivatives; (ii) foreign exchange contracts; and (iii) securities; and (b) deal in a financial product by: (i) arranging for another person to apply for, acquire, vary or dispose of financial products in respect of the following classes of financial products: (A) derivatives; (B) foreign exchange contracts; and (C) securities; to retail and wholesale clients. Who will provide me with financial product advice? Advice is provided by our authorized representatives, for and on behalf of the International Securities & Derivatives Group. They may be an individual, or in some instances a company. You should note that your adviser may not be authorised to provide all the services we are licensed to provide you with. Please refer to the attached Adviser Profile or Supplementary FSG for specific information regarding your chosen adviser. How will financial product advice be provided to me? Your adviser may provide you with advice through a number of means including; In Person Email / Website Telephone Newsletter Software Please refer to the attached Adviser Profile or Supplementary FSG for specific information regarding how your chosen adviser will provide financial product advice and / or services to you. Do you provide general or personal financial product advice? The International Securities & Derivatives Group Pty Ltd and its authorised representatives provide general financial product advice only. This means that the advice has not been prepared by taking into account your personal investment objectives, financial situation or particular needs. Before acting on any general advice, you need to decide whether it is appropriate for your individual financial situation. If you are in any doubt, you should consult with a licensed investment adviser, financial planner, or accountant before making an investment or trading decision. What risks are involved in trading the financial products we may advise you on? The risk involved varies greatly depending on the instrument traded. Investing in ASX top 200 stocks for instance carries far less risk than trading speculatively in Index options. The exact risks associated with each product will be outlined in detail in the relevant PDS, which will be provided to you by your chosen broker.  You should consider the information contained in the relevant PDS before investing in or trading any of the products we may advise you on.  When will I receive a Product Disclosure Statement (PDS)?  Once you have considered any advice we have provided you with, and decided to act on the advice, you will communicate the relevant order or instructions to your chosen broker for execution. Your broker will therefore be the product issuer or product acquirer, and therefore responsible for providing you with a PDS. When requested we will provide you with general product information as made available by the Australian Securities Exchange (ASX). This information should be considered as a guide only, and is not intended to replace the PDS your broker will provide you with. What Fees and commissions do you receive? Our advisers provide a wide variety of financial products & services, and the fees you pay can vary significantly between advisers. You may pay a once-off fee to attend an educational seminar or training workshop, or you may pay a monthly subscription for regular newsletters or advisory services. Some of our advisers will supply you with software to assist you in making trading decisions. You may pay an initial purchase price for the software, and ongoing fees for support and / or data feeds. Our advisers will clearly explain all fees payable by you prior to any advice or product being offered to you, and a tax invoice will be provided to you. Please refer to the attached adviser profile or Supplementary FSG for details on the exact fee structure and if applicable, IB commission, that will remunerate your advisor. Compensation and Insurance Arrangements At the date of preparing this document, The International Securities & Derivatives Group have professional indemnity insurance that covers the conduct of both current and past representatives. This cover complies with s912B of the Corporations Act 2001. Privacy Policy We collect your personal information when you; Complete and submit forms on our web site; & Return completed paper account opening forms We do not disclose any non-public, personal information about our customers, former customers, or potential customers to anyone, except as required to provide agreed services through third party service providers. We may contact you from time to time with promotional and marketing material via phone, email and mail. If at any time you do not wish to receive marketing material please contact us and we will remove you from our contact lists. What If I have a complaint? If you have a complaint about our products or services you should notify the representative who provided you with that product or service. They will work with you to address your concerns and reach a satisfactory outcome. If you are not satisfied with the outcome of this process, you should contact our compliance officer directly. They will thoroughly investigate your complaint and provide a written report to you within 21 days. If the matter is complex and a longer period of time is required, you will be contacted and notified. Notification of complaints should be done in writing, and addressed to; The International Securities & Derivatives Group Pty Ltd Attention: The Compliance Officer PO Box 479 Geelong Victoria 3220 If your complaint cannot be resolved to your satisfaction after this process you have the right to have your complaint heard by the Financial Ombudsman Service (FOS). FOS is the external dispute resolution scheme authorised to deal with complaints in relation to investment advice. The Financial Ombudsman Service can be contacted on 1300 780 808 or on the web at www.fos.org.au Adviser Profile Lance Spicer This adviser profile forms part of, and should be read in conjunction with, the International Securities & Derivatives Group’s Financial Services Guide Who Is my Adviser? Your adviser is Lance Spicer of Trident Investment Management Pty Ltd. Lance has been appointed an authorised representative (AR# 340812) of the International Securities & Derivatives Group, AFSL#227544. Furthermore, Trident Investment Management Pty Ltd has also been appointed a corporate authorised representative (AR# 339798) of the International Securities & Derivatives Group. Lance had an extensive career as a senior accountant, financial executive and tax consultant. Since becoming a full time investor in 1994, Lance has written dozens of books, articles, and regular columns for publications all over the world. Lance is RG146 compliant in managed investments, securities & derivatives. Lance has met the requirements of the Australian Securities & Investments Commission to provide financial product advice to retail clients. How do we get paid? We receive a subscription and subscription renewal fees form subscribers. We also receive payment for books we publish. In certain circumstances, we may receive between 0% -40% rebate on brokerage commissions from brokers. How can I contact my Adviser? PO Box 13 Cronulla NSW, 2230 Tel: 02 9544 5135 Email: admin@tridentpress.com.au Web: www.tridentconfidential.com   What Financial Services are you authorised to provide? Lance Spicer is authorised to provide financial product advice on; • Securities & • Derivatives To both wholesale and retail clients.   Terms of Service Trident Confidential Publishing, Inc & Trident Investment Management Pty Ltd provides this Terms and Conditions of Service Agreement to the User ("User" or "you") as a user of www.TridentConfidential.com (the "Web site"). Any use of the Web site, any pages thereof or any information thereon constitutes the user's acknowledgement of, and agreement to, the following terms and conditions. The Web site is not intended to provide tax, legal or investment advice for any fact-specific situation. The information contained on the Web site is intended to be read for general interest only. Nothing on the Web site constitutes a solicitation or recommendation by the Web site of the purchase or sale of any securities or other investments. The Web site is not a broker/dealer or an investment advisor and is not registered with the Securities and Exchange Commission, the NASD or any stock exchange or regulator of investments. The Web site does not provide specific product investment advice, or advocate the purchase or sale of any security or investment. The Web site does not guarantee the accuracy, completeness, or timeliness of, or otherwise endorse, the facts, views, opinions or recommendation on the Web site. The user uses and applies the ideas and the Web site at his or her own risk. Users should consult other sources of information and assistance, including financial and tax advisors, before making investment decisions. Additionally, users should always keep in mind that past performance is no guarantee of future results, and consequently any projections of forecasts based on historical factors are speculative. Trident Confidential is intellectual property of Trident Confidential Publishing, Inc and  Trident Investment Management Pty Ltd and is protected by applicable copyright and other intellectual property laws. The information provided on the Web site is for personal use only. You agree not to reproduce, retransmit, disseminate, sell, distribute, publish, broadcast, circulate or commercially exploit the information in any manner without the express written consent of Trident Investment Management Pty Ltd. Neither Trident Confidential Publishing, Inc or  Trident Investment Management Pty Ltd nor the editor shall be liable for any losses, injuries or expenses incurred by a user which result from use of, or reliance on the Trident Confidential service or www.TridentConfidential.com and the information contained thereon, including, without limitation, any consequential, special or similar damages (including but not limited to lost profits, trading losses and damages that may result from inconvenience, delay or loss of the use of information) even if Trident Confidential is advised of the possibility of such damages. No warranty, guarantee, covenant or any other promise is made, express or implied, by the publishers  as to the accuracy or correctness of any information provided on www.TridentConfidential.com. Trident Confidential Publishing, Inc and Trident Investment Management Pty Ltd  reserve the right to cancel any subscription and provide a pro-rata refund at any time without notice. In the case of deliberate and proven copyright breach (passing on Trident material without written permission), Trident Confidential Publishing, Inc and Trident Investment Management Pty Ltd reserves the right to cancel the subscription without compensation or refund.