STRATEGIC WEALTH PLAN TERMS

Karl Mifsud Wealth
Clonematrix Pty Ltd trading as Karl Mifsud Wealth

1. Your Strategic Wealth Plan

By completing your order and paying $497 AUD including GST, you are engaging Karl Mifsud Wealth to prepare and present your personalised Strategic Wealth Plan.

Your Strategic Wealth Plan includes all or part of the following:

• Personalised Needs Analysis

• Wealth Gap Review

• Strategic Wealth Plan

• Private Strategy Presentation Meeting

2. Your $497 Payment

The fee for your Strategic Wealth Plan is $497 AUD including GST, payable when you place your order.

This payment is for the preparation and presentation of your Strategic Wealth Plan.

It does not activate a Karl Mifsud Wealth Private Client Membership.

3. Our Refund Promise

Your $497 payment will be refunded in full if:

• after reviewing your completed Strategic Wealth Plan, you decide not to proceed; or

• during the strategy process, it is determined through a lending or finance specialist within our professional network that you are unable to obtain the funding required to proceed with an investment pathway identified through your strategy.

There is no obligation to proceed beyond your Strategic Wealth Plan.

4. If You Decide to Proceed

If, after reviewing your completed Strategic Wealth Plan, you decide to proceed with implementation through Karl Mifsud Wealth:

Your $497 payment will be credited toward your first-year Private Client Membership fee.

Any Private Client Membership will be subject to its own separate Membership Agreement and terms.

5. Your Information

You agree to provide complete and accurate information so we can properly prepare your Strategic Wealth Plan.

Your plan will be prepared based on the information you provide, your stated objectives and the matters discussed with your Wealth Strategist.

6. Our Role

Your Strategic Wealth Plan is designed to provide education, strategy, organisation and possible pathways for consideration.

Karl Mifsud Wealth does not provide financial product, taxation, legal, credit, accounting, SMSF or other regulated professional advice.

Where specialist advice or services are required, you may be introduced to an appropriately qualified independent professional. Any professional you engage is separately responsible for their own advice, services and fees.

7. Acceptance

By ticking the acceptance box and completing payment, you confirm that you:

• have read and agree to these Strategic Wealth Plan Terms;

• authorise a one-time payment of $497 AUD including GST; and

• understand the refund and credit arrangements described above.