UnLock vs Create SMSF

UnLock. Trade on your own terms. Doing business? Buy now, pay later. If you have trade accounts with suppliers, they usually come with strings attached: • paying on their terms • being ‘locked-in’ with these suppliers • paying invoices from multiple suppliers is an admin headache. With UnLock you can: * Pay when you want to – say goodbye to ‘payable within 30 days’. You decide your own payment terms. * Choose from a huge range of suppliers – buy in-store or online from any supplier that accepts Mastercard. It’s like having a trade account with everyone. * One payment pays all your bills – when using the UnLock Mastercard, pay all your suppliers with just one monthly payment; quick and easy. * Everything in one account - no matter how many of your staff are buying things, you pay for all the purchases from one account; managing your books is easy. * Pay only for what you use - no monthly fees, no application fees, no annual fees. You only pay a transaction fee if you make a transaction.

CREATE SMSF - MAKING SMSF ESTABLISHMENT SIMPLE AND EFFICIENT. Create SMSF provides the unique opportunity to create a SMSF from your mobile device, enabling you to take control of your retirement goals and make independent choices that match your retirement objectives. UNDERSTAND AND LEARN Create SMSF has an extensive SMSF Knowledge Centre that provides videos and articles to allow a deeper understanding of SMSFs, the superannuation laws and the regulative requirements. Available for all users for free. COMPLIANT LEGAL DOCUMENTS Whether you decide on an individual trustee structure, corporate trustee structure or also require a custodian trust for limited recourse borrowing arrangements rest assured all trust deeds within Create SMSF have been prepared and are regularly reviewed by an Australian law firm, to ensure compliance with the relevant governing legislation. All documents are legally and securely executed through the App using Docusign. REGISTRATION AND SET UP OF CORPORATE ENTITY If you opt for a corporate trustee structure or also require a custodian trustee, for limited recourse borrowing arrangements, the company set up and registrations are completed by the Create SMSF team and these are included in the one-off SMSF establishment cost. SMSF Registration with the ATO All SMSFs established through Create SMSF are registered with the ATO by the Create SMSF team, and the cost of doing so is included in the one-off SMSF establishment cost. DOCUMENT STORAGE Never lose or chase old accountants for your SMSF establishment documentation. Create SMSF stores all your SMSF documents securely in App, indefinitely at no additional or on-going cost. Available for you to download whenever you need, ensuring you are always compliant with the legislative requirements of retaining documentation. Additionally, store on-going SMSF documentation such as invoices or statements in App in the appropriate financial year folder, to allow swift and efficient SMSF administration and reporting. LIVE DASHBOARD Opt to have your SMSF managed on the Class SMSF Administration software to receive live SMSF bank account(s), investment and contributions received data on the Create SMSF dashboard, once it has been established and registered. SMSF ADMINISTRATION AND ANNUAL REPORTING Streamline on-going SMSF administration and annual reporting by opting for tax agent appointment after SMSF establishment in the App, the payment for this service is not collected in App, as Create SMSF is not a tax agent. This payment will be due annually when the fund’s annual return is ready to be lodged with the ATO and collected by the appointed tax agent. This will provide your SMSF with the following: An electronic service address; allowing your SMSF to receive rollovers and contributions. Allow your SMSF to be managed on the Class SMSF Administration software; this will enable you to receive automated bank and investment data feeds to your dashboard in the Create SMSF App. Support contact with SMSF tax and compliance specialists. TRUE INDEPENDENCE AND CHOICE Create SMSF is not affiliated with any financial advisors or investment advisors or investment companies, you are truly independent to make your own investment choices and are free to engage your own professionals that meet your specific SMSF investment needs. SECURITY All information and documentation stored on Create SMSF is held securely and this information is never shared with any other parties. Create SMSF will never request you to transfer any of your superannuation balance(s) to itself or to any other institution. DISCOVER YOUR RETIREMENT POTENTIAL AND DOWNLOAD THE APP TODAY!