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Financial‌‌Services‌‌Guide‌‌(FSG)‌ ‌‌Version‌‌4‌ ‌5th‌‌October‌‌2021‌ ‌‌‌‌‌‌‌‌‌‌OANDA‌‌Australia‌‌Pty‌‌Ltd‌ ‌ACN‌‌152‌‌088‌‌349;‌‌AFSL‌‌412981‌ ‌Level‌‌1,‌‌60‌‌Martin‌‌Place‌ ‌Sydney‌‌NSW‌‌2000‌ ‌‌‌Purpose‌‌and‌‌content‌‌of‌‌this‌‌FSG‌‌ ‌‌The‌‌financial‌‌services‌‌referred‌‌to‌‌in‌‌this‌‌Financial‌‌Services‌‌Guide‌‌‌(FSG)‌,‌‌prepared‌‌and‌‌dated‌‌5th‌‌October‌‌
2021,‌‌are‌‌provided‌‌by‌‌OANDA‌‌Australia‌‌Pty‌‌Ltd‌‌ACN‌‌152‌‌088‌‌349;‌‌AFSL‌‌No.‌‌412981‌‌(OANDA,‌‌“we”‌‌or‌‌“us”).‌‌ ‌‌This‌‌FSG‌‌has‌‌been‌‌designed‌‌to‌‌assist‌‌you‌‌in‌‌deciding‌‌whether‌‌to‌‌use‌‌any‌‌of‌‌the‌‌financial‌‌services‌‌we‌‌offer.‌‌ ‌‌This‌‌FSG‌‌contains‌‌important‌‌information‌‌about:‌‌ ‌● who‌‌we‌‌are‌‌and‌‌how‌‌we‌‌can‌‌be‌‌contacted;‌‌ ‌● the‌‌services‌‌and‌‌types‌‌of‌‌products‌‌we‌‌offer;‌‌ ‌● details‌‌on‌‌how‌‌you‌‌instruct‌‌us‌‌in‌‌relation‌‌to‌‌those‌‌services‌‌and‌‌products;‌‌ ‌● how‌‌we‌‌and‌‌our‌‌associates‌‌are‌‌paid;‌‌ ‌● any‌‌potential‌‌conflict‌‌of‌‌interest‌‌we‌‌may‌‌have;‌‌and‌‌ ‌● our‌‌internal‌‌and‌‌external‌‌dispute‌‌resolution‌‌procedures‌‌and‌‌how‌‌you‌‌can‌‌access‌‌them‌‌ ‌‌Product‌‌Disclosure‌‌Statement‌‌(PDS)‌‌ ‌‌You‌‌will‌‌receive‌‌one‌‌Product‌‌Disclosure‌‌Statement‌‌prepared‌‌by‌‌us.‌‌We‌‌will‌‌give‌‌you‌‌a‌‌Product‌‌Disclosure‌‌
Statement‌‌if‌‌we‌‌offer‌‌to‌‌issue‌‌our‌‌financial‌‌products‌‌to‌‌you.‌‌Before‌‌deciding‌‌to‌‌invest‌‌in‌‌a‌‌financial‌‌product‌‌offered‌‌by‌‌us,‌‌you‌‌should‌‌carefully‌‌read‌‌the‌‌Product‌‌Disclosure‌‌Statement.‌‌The‌‌Product‌‌Disclosure‌‌
Statement‌‌contains‌‌important‌‌information‌‌about‌‌the‌‌financial‌‌products‌‌we‌‌are‌‌offering,‌‌including‌‌the‌‌risks‌‌and‌‌costs‌‌associated‌‌with‌‌the‌‌financial‌‌products‌‌we‌‌offer.‌‌ ‌‌Nature‌‌of‌‌advice‌‌ ‌‌We‌‌only‌‌provide‌‌general‌‌advice.‌‌We‌‌do‌‌not‌‌provide‌‌personal‌‌advice‌‌(advice‌‌which‌‌takes‌‌into‌‌account‌‌your‌‌objectives,‌‌financial‌‌situation‌‌or‌‌needs).‌‌You‌‌will‌‌therefore‌‌not‌‌receive‌‌a‌‌Statement‌‌of‌‌Advice‌‌from‌‌us.‌‌ ‌‌How‌‌you‌‌can‌‌contact‌‌us‌‌ ‌‌You‌‌can‌‌contact‌‌us‌‌by:‌‌ ‌● telephoning‌‌us‌‌13000‌‌OANDA‌‌(62632)‌‌or‌‌+61‌‌2‌‌8046‌‌6258‌‌between‌‌8:00‌‌am‌‌Monday‌‌to‌‌8:00‌‌am‌‌
Saturday‌‌Sydney‌‌time;‌‌or‌‌ ‌● by‌‌writing‌‌to‌‌us‌‌at‌‌OANDA‌‌Australia‌‌Pty‌‌Ltd,‌‌Level‌‌1,‌‌60‌‌Martin‌‌Place,‌‌Sydney,‌‌NSW‌‌2000;‌‌or‌‌ ‌● by‌‌emailing‌‌us‌‌at‌‌frontdesk@oanda.com;‌‌or‌‌ ‌● in‌‌person‌‌at‌‌OANDA‌‌Australia‌‌Pty‌‌Ltd,‌‌Level1,‌‌60‌‌Martin‌‌Place‌‌,‌‌Sydney,‌‌NSW‌‌2000‌‌ ‌‌How‌‌you‌‌can‌‌instruct‌‌us‌‌ ‌‌You‌‌can‌‌instruct‌‌us‌‌electronically‌‌through‌‌our‌‌internet‌‌trading‌‌platforms‌‌to‌‌which‌‌you‌‌will‌‌be‌‌granted‌‌
access‌‌to.‌‌We‌‌may,‌‌in‌‌limited‌‌circumstances‌‌(such‌‌as‌‌if‌‌the‌‌trading‌‌platform‌‌is‌‌not‌‌operational),‌‌accept‌‌
limited‌‌trading‌‌instructions‌‌by‌‌telephone.‌‌We‌‌will‌‌not‌‌accept‌‌any‌‌trading‌‌instructions‌‌by‌‌any‌‌other‌‌means.‌‌ ‌‌‌‌‌OANDA‌‌Australia‌‌Pty‌‌Ltd‌

ACN‌‌152‌‌088‌‌349‌

AFSL‌‌412981‌ ‌2‌ ‌The‌‌financial‌‌services‌‌we‌‌are‌‌authorised‌‌to‌‌provide‌‌to‌‌you‌‌ ‌‌We‌‌hold‌‌AFS‌‌Licence‌‌No.‌‌412981‌‌which‌‌authorises‌‌us‌‌to‌‌carry‌‌on‌‌a‌‌financial‌‌services‌‌business‌‌to:‌ ‌● provide‌‌general‌‌financial‌‌product‌‌advice‌‌for‌‌the‌‌following‌‌classes‌‌of‌‌financial‌‌products:‌‌ ‌○ Derivatives;‌‌and‌ ‌ ‌○ foreign‌‌exchange‌‌contracts;‌‌ ‌● deal‌‌in‌‌a‌‌financial‌‌product‌‌by:‌‌ ‌○ issuing,‌‌applying‌‌for,‌‌acquiring,‌‌varying‌‌or‌‌disposing‌‌of‌‌a‌‌financial‌‌product‌‌in‌‌respect‌‌of‌‌the‌‌following‌‌classes‌‌of‌‌financial‌‌products:‌‌ ‌■ derivatives;‌‌and‌‌ ‌■ foreign‌‌exchange‌‌contracts;‌‌and‌‌ ‌● make‌‌a‌‌market‌‌for‌‌the‌‌following‌‌financial‌‌products:‌‌ ‌○ foreign‌‌exchange‌‌contracts;‌‌and‌‌ ‌○ derivatives;‌ ‌● To‌‌retail‌‌and‌‌wholesale‌‌clients.‌ ‌‌Our‌‌relationship‌‌with‌‌you‌‌ ‌‌When‌‌we‌‌make‌‌a‌‌market,‌‌that‌‌is‌‌to‌‌deal‌‌in‌‌margin‌‌foreign‌‌exchange‌‌contracts‌‌and‌‌other‌‌over‌‌the‌‌counter‌‌derivatives‌‌such‌‌as‌‌OANDA‌‌CFDs,‌‌we‌‌act‌‌as‌‌principal‌‌in‌‌our‌‌transactions‌‌with‌‌you,‌‌not‌‌as‌‌a‌‌broker.‌‌ ‌However,‌‌OANDA‌‌does‌‌not‌‌use‌‌client‌‌funds‌‌for‌‌its‌‌hedging‌‌purposes,‌‌instead‌‌OANDA‌‌uses‌‌its‌‌
own‌‌funds‌‌for‌‌its‌‌hedging‌‌activity.‌‌ ‌‌OANDA‌‌is‌‌required‌‌by‌‌law‌‌to‌‌issue‌‌you‌‌with‌‌a‌‌Product‌‌Disclosure‌‌Statement‌‌prior‌‌to‌‌providing‌‌these‌‌
products‌‌to‌‌you.‌‌You‌‌should‌‌read‌‌this‌‌document‌‌carefully.‌‌The‌‌Product‌‌Disclosure‌‌Statement‌‌discloses‌‌the‌‌important‌‌features‌‌and‌‌risks‌‌of‌‌these‌‌products‌‌and‌‌their‌‌terms‌‌are‌‌set‌‌out‌‌in‌‌the‌‌Account‌‌Terms‌‌(available‌‌at‌‌the‌‌time‌‌you‌‌open‌‌an‌‌account‌‌and‌‌also‌‌on‌‌request)‌‌so‌‌please‌‌make‌‌sure‌‌you‌‌read‌‌them‌‌
before‌‌dealing‌‌with‌‌OANDA.‌‌ ‌‌Fees,‌‌charges‌‌and‌‌remuneration‌‌ ‌‌As‌‌part‌‌of‌‌the‌‌Future‌‌of‌‌Financial‌‌Advice‌‌(FoFA)‌‌reforms,‌‌AFS‌‌licensees‌‌(such‌‌as‌‌OANDA)‌‌are‌‌prohibited‌‌from‌‌accepting‌‌“conflicted‌‌remuneration”,‌‌subject‌‌to‌‌certain‌‌exemptions.‌‌Conflicted‌‌remuneration‌‌is‌‌any‌‌
benefit‌‌given‌‌to‌‌an‌‌AFS‌‌licensee,‌‌or‌‌its‌‌authorised‌‌representative,‌‌that‌‌provides‌‌financial‌‌product‌‌advice‌‌to‌‌retail‌‌clients‌‌which,‌‌because‌‌of‌‌the‌‌nature‌‌of‌‌the‌‌benefit‌‌or‌‌the‌‌circumstances‌‌in‌‌which‌‌it‌‌is‌‌given,‌‌could‌‌
reasonably‌‌be‌‌expected‌‌to‌‌influence:‌‌ ‌● the‌‌choice‌‌of‌‌financial‌‌product‌‌recommended‌‌to‌‌clients‌‌by‌‌the‌‌AFS‌‌licensee‌‌or‌‌authorised‌‌
representative;‌‌or‌‌ ‌● the‌‌financial‌‌product‌‌advice‌‌given‌‌to‌‌clients‌‌by‌‌the‌‌AFS‌‌licensee‌‌or‌‌authorised‌‌representative.‌‌ ‌‌OANDA‌‌does‌‌not‌‌receive‌‌“conflicted‌‌remuneration”.‌‌OANDA‌‌pays‌‌“conflicted‌‌remuneration”‌‌with‌‌consent‌‌
from‌‌retail‌‌clients.‌‌ ‌‌Other‌‌fees‌‌may‌‌be‌‌charged‌‌for‌‌transactions‌‌and‌‌services‌‌by‌‌third‌‌parties‌‌to‌‌OANDA,‌‌including‌‌but‌‌not‌‌limited‌‌to‌‌international‌‌transfers‌‌and‌‌additional‌‌account‌‌administration‌‌fees.‌‌We‌‌may‌‌also‌‌charge‌‌
reasonable‌‌amounts‌‌for‌‌additional‌‌reports‌‌or‌‌communications‌‌required‌‌by‌‌you.‌‌These‌‌fees‌‌will‌‌be‌‌advised‌‌to‌‌you‌‌prior‌‌to‌‌you‌‌requesting‌‌this‌‌information.‌‌ ‌‌OANDA‌‌Australia‌‌Pty‌‌Ltd‌

ACN‌‌152‌‌088‌‌349‌

AFSL‌‌412981‌ ‌3‌ ‌Unless‌‌otherwise‌‌stated,‌‌all‌‌fees,‌‌charges,‌‌commissions‌‌and‌‌benefits‌‌disclosed‌‌in‌‌this‌‌FSG‌‌are‌‌inclusive‌‌of‌‌goods‌‌and‌‌services‌‌tax‌‌‌(GST)‌.‌‌ ‌‌Financial‌‌product‌‌fees,‌‌costs‌‌and‌‌charges‌‌ ‌The‌‌fees,‌‌costs‌‌and‌‌charges‌‌for‌‌financial‌‌products‌‌are‌‌disclosed‌‌in‌‌the‌‌Product‌‌Disclosure‌‌Statement‌‌for‌‌those‌‌products.‌‌ ‌‌Disclosure‌‌of‌‌conflicts‌‌of‌‌interest‌‌ ‌‌OANDA‌‌acts‌‌as‌‌principal‌‌when‌‌issuing‌‌its‌‌financial‌‌products‌‌to‌‌you.‌‌OANDA‌‌does‌‌not‌‌act‌‌as‌‌your‌‌agent‌‌or‌‌broker.‌‌OANDA‌‌has‌‌a‌‌policy‌‌for‌‌managing,‌‌avoiding‌‌and‌‌disclosing‌‌relevant‌‌conflicts‌‌of‌‌interests,‌‌which‌‌is‌‌available‌‌on‌‌request.‌‌ ‌‌OANDA‌‌may‌‌pay‌‌a‌‌fee‌‌or‌‌other‌‌benefit‌‌to‌‌other‌‌persons‌‌for‌‌introducing‌‌or‌‌for‌‌acting‌‌on‌‌behalf‌‌of‌‌clients,‌‌either‌‌by‌‌way‌‌of‌‌a‌‌one-off‌‌fee‌‌or‌‌as‌‌a‌‌percentage‌‌of‌‌income‌‌generated‌‌by‌‌those‌‌clients‌‌referred‌‌to‌‌
OANDA.‌‌Those‌‌other‌‌persons‌‌must‌‌disclose‌‌to‌‌you‌‌the‌‌fees‌‌or‌‌other‌‌benefits‌‌they‌‌receive.‌‌Details‌‌of‌‌any‌‌such‌‌payments‌‌will‌‌be‌‌given‌‌to‌‌you‌‌upon‌‌written‌‌request.‌‌ ‌‌Employees‌‌and‌‌Representatives‌ ‌‌Representatives‌‌and‌‌other‌‌staff‌‌may‌‌also‌‌receive‌‌benefits‌‌based‌‌upon‌‌bonuses‌‌at‌‌the‌‌discretion‌‌of‌‌senior‌‌
management,‌‌having‌‌regard‌‌to‌‌standards‌‌of‌‌service‌‌to‌‌clients‌‌and‌‌feedback‌‌from‌‌them,‌‌the‌‌level‌‌of‌‌revenue‌‌they‌‌generate‌‌and‌‌reaching‌‌a‌‌range‌‌of‌‌personal‌‌performance‌‌targets.‌‌ ‌‌Professional‌‌indemnity‌‌insurance‌‌OANDA‌‌has‌‌the‌‌benefit‌‌of‌‌professional‌‌indemnity‌‌insurance‌‌that‌‌
complies‌‌with‌‌section‌‌912B‌‌of‌‌the‌‌Corporations‌‌Act‌‌2001‌‌(Policy).‌‌Subject‌‌to‌‌its‌‌terms,‌‌the‌‌Policy‌‌covers‌‌
certain‌‌clients‌‌for‌‌loss‌‌or‌‌damage‌‌suffered‌‌as‌‌a‌‌result‌‌of‌‌breaches‌‌of‌‌the‌‌relevant‌‌obligations‌‌of‌‌OANDA‌‌
and‌‌its‌‌employees‌‌in‌‌relation‌‌to‌‌its‌‌AFSL.‌‌ ‌‌Also,‌‌subject‌‌to‌‌its‌‌terms,‌‌the‌‌Policy‌‌covers‌‌certain‌‌breaches‌‌by‌‌OANDA’s‌‌employees‌‌and‌‌representatives‌‌
employed‌‌by‌‌OANDA‌‌at‌‌the‌‌relevant‌‌time.‌‌ ‌Internal‌‌Dispute‌‌Resolution‌‌(IDR)‌ ‌OANDA‌‌is‌‌committed‌‌to‌‌providing‌‌our‌‌clients‌‌with‌‌outstanding‌‌service.‌‌However‌‌if‌‌you‌‌have‌‌a‌‌dispute‌‌
about‌‌the‌‌financial‌‌product‌‌or‌‌service‌‌provided‌‌to‌‌you,‌‌please‌‌raise‌‌the‌‌issue‌‌with‌‌us‌‌by‌‌taking‌‌the‌‌following‌‌steps:‌ ‌●●●●Contact‌‌our‌‌OANDA‌‌Client‌‌Experience‌‌Team‌‌and‌‌provide‌‌the‌‌details‌‌of‌‌your‌‌dispute.‌‌You‌‌may‌‌do‌‌this‌‌by‌‌telephone,‌‌email,‌‌online‌‌chat‌‌or‌‌letter.‌ ‌If‌‌your‌‌dispute‌‌can‌‌not‌‌be‌‌immediately‌‌resolved‌‌with‌‌our‌‌OANDA‌‌Client‌‌Experience‌‌Team,‌‌your‌‌details‌‌and‌‌the‌‌details‌‌of‌‌your‌‌dispute‌‌will‌‌be‌‌given‌‌to‌‌the‌‌OANDA‌‌Complaints‌‌Officer.‌ ‌Within‌‌24‌‌hours‌‌of‌‌receipt‌‌of‌‌complaint‌‌‌-‌‌a‌‌complainant‌‌must‌‌be‌‌sent‌‌confirmation‌‌of‌‌receipt‌‌of‌‌their‌‌complaint‌‌by‌‌the‌‌complaints‌‌officer;‌ ‌Within‌‌5‌‌business‌‌days‌‌of‌‌receipt‌‌of‌‌complaint‌‌‌-‌‌all‌‌best‌‌endeavours‌‌should‌‌be‌‌made‌‌to‌‌resolve‌‌the‌‌complaint‌‌within‌‌5‌‌business‌‌days‌‌of‌‌receipt.‌‌If‌‌resolved‌‌satisfactorily‌‌in‌‌the‌‌complainants‌‌favor‌‌within‌‌5‌‌business‌‌days‌‌then‌‌a‌‌written‌‌response‌‌to‌‌the‌‌complainant‌‌is‌‌not‌‌required;‌ ‌OANDA‌‌Australia‌‌Pty‌‌Ltd‌

ACN‌‌152‌‌088‌‌349‌

AFSL‌‌412981‌ ‌

4‌ ‌

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Within‌‌30‌‌calendar‌‌days‌‌of‌‌receipt‌‌of‌‌complaint‌‌‌-‌‌A‌‌response‌‌to‌‌a‌‌standard‌‌complaint‌‌is‌‌to‌‌given‌‌to‌‌the‌‌complainant‌‌utilising‌‌the‌‌complainants‌‌preferred‌‌method‌‌of‌‌communication;‌ ‌Any‌‌client‌‌may‌‌lodge‌‌a‌‌dispute‌‌with‌‌the‌‌Complaints‌‌Officer‌‌directly‌‌via:‌ ‌‌‌OANDA‌‌Australia‌‌Pty‌‌Ltd‌ ‌Level‌‌1‌‌60‌‌Martin‌‌Place‌‌Sydney‌‌NSW‌‌2000‌ ‌or‌‌by‌‌email‌‌at:‌i‌dr@oanda.com‌ ‌OANDA‌‌will‌‌make‌‌every‌‌effort‌‌to‌‌try‌‌to‌‌resolve‌‌your‌‌dispute‌‌quickly‌‌and‌‌fairly.‌‌ ‌If‌‌you‌‌are‌‌not‌‌satisfied‌‌with‌‌the‌‌final‌‌response‌‌provided‌‌by‌‌OANDA,‌‌you‌‌have‌‌the‌‌right‌‌to‌‌take‌‌your‌‌
dispute‌‌to‌‌the‌A‌ ustralian‌‌Financial‌‌Complaints‌‌Authority‌‌(AFCA)‌.‌‌ ‌AFCA‌‌‌is‌‌an‌‌external‌‌dispute‌‌resolution‌‌scheme.‌‌The‌‌contact‌‌details‌‌for‌A‌ FCA‌‌‌are:‌ ‌‌‌Australian‌‌Financial‌‌Complaints‌‌Authority‌‌(AFCA)‌‌ ‌Online:‌h‌ ttps://www.afca.org.au/‌ ‌email:‌i‌nfo@afc.org.au‌ ‌Phone:‌‌1800‌‌931‌‌678‌ ‌Mail:‌‌ Australian‌‌Financial‌‌Complaints‌‌Authority‌ ‌GPO‌‌Box‌‌3‌ ‌Melbourne‌‌VIC‌‌3001‌ ‌Please‌‌note‌‌that‌‌we‌‌will‌‌need‌‌to‌‌respond‌‌to‌‌your‌‌complaint‌‌prior‌‌to‌‌AFCA‌‌initiating‌‌any‌‌investigation‌‌into‌‌
your‌‌complaint.‌ ‌OANDA‌‌is‌‌a‌‌member‌‌of‌‌the‌‌AFCA‌‌complaints‌‌resolution‌‌scheme.‌‌The‌‌service‌‌provided‌‌to‌‌you‌‌by‌‌AFCA‌‌is‌‌free‌‌of‌‌charge.‌ ‌The‌‌Australian‌‌Securities‌‌and‌‌Investments‌‌Commission‌‌(A‌ SIC‌)‌‌also‌‌has‌‌an‌‌Info‌‌line‌‌on‌‌1300‌‌300‌‌630‌‌
which‌‌you‌‌may‌‌use‌‌to‌‌make‌‌a‌‌complaint‌‌and‌‌obtain‌‌information‌‌about‌‌your‌‌rights.‌ ‌Please‌‌visit‌h‌ ttps://www.oanda.com/au-en/legal/dispute-resolution‌‌f‌or‌‌further‌‌information.‌ ‌‌Privacy‌‌ ‌‌We‌‌value‌‌the‌‌privacy‌‌of‌‌your‌‌personal‌‌information.‌‌When‌‌we‌‌collect,‌‌use,‌‌disclose‌‌or‌‌handle‌‌personal‌‌
information,‌‌we‌‌are‌‌bound‌‌by‌‌the‌‌Privacy‌‌Amendment‌‌(Enhancing‌‌Privacy‌‌Protection)‌‌Act‌‌2012‌‌(Commonwealth),‌‌as‌‌amended‌‌from‌‌time‌‌to‌‌time‌‌and‌‌the‌‌Australian‌‌Privacy‌‌Principles.‌‌ ‌‌Our‌‌full‌‌privacy‌‌policy‌‌is‌‌available‌‌from‌‌our‌‌website‌‌https://www1.oanda.com/resources/legal/australia/‌‌ ‌‌If‌‌you‌‌would‌‌like‌‌a‌‌copy‌‌of‌‌our‌‌privacy‌‌policy,‌‌or‌‌wish‌‌to‌‌seek‌‌access‌‌to,‌‌or‌‌correct‌‌the‌‌personal‌‌
information‌‌we‌‌collect‌‌or‌‌disclose‌‌about‌‌you,‌‌please‌‌ask‌‌us.‌ ‌OANDA‌‌Australia‌‌Pty‌‌Ltd‌

ACN‌‌152‌‌088‌‌349‌

AFSL‌‌412981‌ ‌5‌ ‌