We hope that you are delighted with our services. However, if you have any complaints, you can raise these directly with the representative with whom you are dealing. If you are not satisfied with the response that you receive, you may contact our Compliance and Customer Service Manager, by telephoning David Hadlow on (02) 9248 6923. When we receive a complaint, we attempt to resolve it as quickly as possible, subject to a full investigation of all the circumstances involved. If you are not satisfied with the outcome of your complaint, you may refer the matter to the Credit & Industry Ombudsman (CIO) an ASIC-approved External Dispute Resolution scheme. You can contact CIO on 1800 138 422 or www.cio.com.au. External dispute resolution is a service provided at no cost to you, giving you access to an independent mechanism for the resolution of specific complaints or disputes.