This Combined Financial Services Guide (FSG) has been prepared, authorised and issued by BUSS (Queensland) Pty Ltd (ABN 15 065 081 281), (AFSL 237860) (BUSSQ) (ABN 85 571 332 201) and by Pacific Custodians Pty Limited (ABN 66 009 682 866, AFSL 295142) (Pacific Custodians). Australian Administration Services Pty Limited (ABN 62 003 429 114) (AAS) is a Corporate Authorised Representative of Pacific Custodians (Authorised Representative Number 307946). The distribution of this FSG by AAS has been authorised by Pacific Custodians. 

The purpose of this FSG is to help you decide whether to use the services offered by BUSSQ, and/or AAS (as providing entity on behalf of its authorising Licensee, Pacific Custodians). This FSG will provide you with information about BUSSQ and AAS’s services, how BUSSQ and AAS’s representatives are remunerated in relation to the financial services offered and how complaints against BUSSQ and AAS are dealt with. 

As a representative of Pacific Custodians, AAS is authorised to: 
1. Provide general financial product advice for the following classes of financial products: 
1.1 Superannuation, and 
1.2 Non-cash payment products. 
2. Deal in a financial product by: 
2.1 issuing, applying for, acquiring, varying, or disposing of a financial product in respect of the following classes of financial products: 
2.2.1 Superannuation, and 
2.2.2 Non-cash payment products. 

BUSSQ is authorised to: 
1. Provide financial product advice for the following classes of financial products: 
i Superannuation, and 
2. Deal in a financial product by: 
i Issuing, applying for, acquiring, varying or disposing of a financial product in respect of the following classes of financial products: a) deposit and payment products limited to non-cash payments products, and b) superannuation. 
The financial services provided by BUSSQ may include personal or general advice on: 
Rolling over superannuation benefits 
Salary sacrifice  
Voluntary contributions  
Member investment choice 
Insurance benefits 
Account based pension 
Spouse contributions  
Superannuation legislation 
Tax on superannuation, and 
Other superannuation issues. 
Before making any decisions to acquire a BUSSQ product, you should read the Product Disclosure Statement (PDS) and/or obtain professional financial advice. The PDS provides information about the benefits, including fees and risks, associated with that product. 

General advice is advice that does not take into account your individual objectives, financial situation or needs and as such the advice may not be appropriate for your circumstances. You should assess your own financial needs and/or obtain advice from a qualified professional before acting on general advice. General advice is provided as part of your BUSSQ membership fee. There is no additional cost to you for this service. 

Personal advice is advice that does take into account your individual objectives, financial situation and future needs. Whenever BUSSQ provides you with Personal advice, BUSSQ will provide you with a Statement of Advice (SOA), also known as a financial plan. BUSSQ will always tell you about: 
Any fees that will be paid in dollar amounts, in relation to a product or strategy that is recommended. 
Any limitations on the advice BUSSQ can give you. 
When a BUSSQ representative recommends a particular financial product, a PDS will always be provided to allow you to make an informed decision. Personal advice may be either straightforward advice or complex advice. 

AAS does not receive specific remuneration relating to the services offered that have been outlined in this guide. AAS is remunerated by BUSSQ for the contracted administration service that it provides to the fund, as a whole. BUSSQ levies fees and charges on individual members to cover the operating costs of the fund (including administration costs). For information relating to the administration fees levied by BUSSQ, please refer to the relevant Product Disclosure Statement (PDS). AAS does not pay or receive commissions. In some circumstances, employees of AAS can receive performance-based bonuses (paid by AAS). Apart from this, no additional remuneration is paid, or benefit provided to: 
The employer of the providing entity 
The authorising licensee 
An employee or director of the authorising licensee (other than normal wages and salary of employees)  
Associate(s) of any of the above, or 
Any other person. 

Where required by legislation, BUSSQ provides a fee for service approach when providing personal financial advice. This ensures you only pay for the advice that you need. 
The cost of providing straightforward personal advice is included in the BUSSQ administration fees. There are no additional fees or charges for this service. As BUSSQ is an industry super fund, all profits go to the members and not to shareholders. Straightforward personal advice is single issue advice such as: 
Investment Choice 

All other personal advice is deemed to be complex advice. The cost of complex advice has to be paid by the member as, by law, it cannot be spread across the whole member base. Where advice other than general advice is provided, the cost of this advice will be at an hourly rate of $150 including GST. The range of fees for advice we may provide will usually range between $150 and $750 including GST. 

We will discuss and agree with you the cost of the advice before any it is provided. All representatives are salaried employees and are not paid any commissions for providing services to you. 
Neither BUSSQ Directors nor our representatives receive hard or soft dollar bonuses as a direct result of providing advice to you. BUSSQ Directors do not receive commissions or bonuses as a result of the services offered to you by our representatives. Any surplus generated from fees or charges are retained by the Fund to be used for the benefit of members. BUSSQ does not pay any commissions to any third party who may refer you to BUSSQ. 

Pacific Custodians and BUSSQ each have in place adequate arrangements, including professional indemnity (PI) insurance, to compensate fund members or their beneficiaries for loss or damage suffered as a result of breaches of any relevant legislative obligations by Pacific Custodians, BUSSQ, or their authorised representatives. This arrangement satisfies the requirements of section 912B of the Corporations Act 2001 (Cth). 

The Fund respects the privacy of its members. BUSSQ only collects information that is necessary to manage your account, meet any legislative requirements and provide you with opportunities available to you as a member, or as otherwise permitted by law. The BUSSQ Privacy Policy Statement is available at bussq.com.au. 

AAS representatives may be members of the BUSSQ Fund. BUSSQ Directors and representatives may be members of the BUSSQ Fund. The BUSSQ Fund is an investor in Members Equity. Master Builders Queensland Insurance Services, which is owned by Master Builders Queensland, arrange certain insurances on behalf of BUSSQ. BUSSQ uses OnePath (a company of ANZ) for the provision of Group Life Cover. 

The Superannuation Clearing House Pty Limited (ABN 15 086 576 721) is a related body corporate of AAS and Pacific Custodians, who are members of the Link Group of companies. For more information about the Link Group, please visit: http://www.linkmarketservices.com.au/corporate/ AboutUs/Global-Network.html. BUSSQ has no association or relationship with any other product issuer and does not receive any benefit from any relationship that could influence the providing of advice. BUSSQ Directors may hold Directorships in funds in which BUSSQ invests. 

Should you have a complaint about AAS, you can telephone, write by post, fax or email to AAS or Pacific Custodians (to the attention of the Complaints Officer), detailing your complaint. AAS will consider your complaint and will usually respond within 30 days. Pacific Custodians and AAS will make all reasonable efforts to resolve your complaint quickly and fairly. If you are not satisfied with the way your complaint is handled, or with the resolution, you may be able to lodge a complaint with the Financial Ombudsman Service Limited (FOS) ABN 67 131 124 448. FOS is an independent body set up to assist consumers in the resolution of complaints relating to financial services. FOS may be able to assist you to resolve your complaint but will only become involved after you have first made use of AAS’s own complaints handling process. 

MAIL Financial Ombudsman Service Limited
Level 13, 31 Queen Street, Melbourne Vic 3000
POSTAL GPO Box 3, Melbourne Vic 3001 
PHONE 1300 780 808 or 03 9613 7366 
FAX 03 9613 6399 
EMAIL info@fos.org.au 
WEB fos.org.au 

Should you have a complaint about BUSSQ or one of its representatives, please contact the BUSSQ complaints officer in writing. If you are not satisfied with our response, you can contact the Superannuation Complaints Tribunal (SCT). The SCT may be able to assist you to resolve your complaint but will only become involved after you have first made use of BUSSQ’s own complaints handling process. 

MAIL Superannuation Complaints Tribunal Locked Bag 
3060 GPO Melbourne 
VIC 3001 
PHONE 1300 884 114 
EMAIL info@sct.gov.au 
WEB www.sct.gov.au 

BUSSQ is a profit for members’ industry superannuation fund. BUSS (Queensland) Pty Ltd is the Trustee of the Fund. The Fund is a regulated fund under Commonwealth legislation. As a result, the Fund is able to obtain taxation advantages and can accept Superannuation Guarantee (SG) Contributions. The Trustee holds an Australian Financial Services License which allows the Fund to provide superannuation advice to retail clients. 

BUSS (Queensland) offers these products:  
A superannuation accumulation fund for employees 
A superannuation accumulation fund for the self-employed. 
Child Income Account 
A Transition to Retirement pension 
An account based pension for retirees, and 
A Term Allocated pension. 

Pacific Custodians is responsible for advice given to you by AAS and BUSS (Queensland) Pty Ltd is responsible for the advice given to you by BUSSQ. You may be provided with written material and access to the BUSSQ website. These may contain general advice and BUSS (Queensland) Pty Ltd is responsible for that advice. Written communication, including e-mails, may be provided by either AAS or BUSSQ and the providing entity will be responsible for the advice given. All contact with the BUSSQ telephone contact centre will be with an AAS representative. If you are referred for personal advice this will be provided by a BUSSQ representative. The representative assisting you is a salaried employee who is authorised to give you general or personal advice regarding BUSSQ and superannuation in general. The representative will inform you under which category they operate in terms of their advice status. 

Anyone can join BUSSQ. This includes on site and off site workers, clerical workers, apprentices, professionals, spouses, family and friends, and working directors. You don’t have to be connected to the building industry to join the fund. 

Should you require information that takes into account your personal circumstances, contact the BUSSQ office. If personal advice is given, you will receive an updated Financial Services Guide, together with a Statement of Advice (SOA) setting out that advice and the reasons leading to that advice. 

Before or on joining the Fund you will be provided with a Product Disclosure Statement (PDS) which will outline the product and the relevant fees. 

WEB aas.com.au 
EMAIL aasenquiries@aas.com.au 
PHONE 02 8571 5000 
FAX 02 8571 5555 
VISIT 1A Homebush Bay Drive, Rhodes NSW 2138 

PHONE 02 8280 7100 
FAX 02 9287 0302 
MAIL Locked Bag A14 Sydney NSW 2000 
VISIT Level 12, 680 George Street, Sydney NSW 2000 

WEB bussq.com.au 
EMAIL super@bussq.com.au 
PHONE 1800 MY BUSSQ (1800 692 877) 
FAX (07) 3217 5212 
MAIL BUSSQ PO Box 1526 Milton QLD 4064 
VISIT BUSSQ 299 Coronation Drive, Milton QLD 4064

Australian Administration Services Pty Limited (AAS) ABN 62 003 429 114 Corporate Authorised Representative of Pacific Custodians Pty Limited CAR 307946 Authorising Licensee Pacific Custodians Pty Limited (Pacific Custodians) ABN 66 009 682 866 AFS License 295 142 BUSS (Queensland) Pty Ltd ABN 15 065 081 281; AFS License 237860 BUSSQ ABN 85 571 332 201