AFA's mission is to help our customers understand and protect themselves from risk.

Our product oversight and governance arrangements are designed to bring products and propositions to market that:

• take into account our customers' objectives, financial situation and needs.
• do not adversely affect customers.
• prevent or mitigate detriment to customers.

Before selling or distributing a product, AFA develops its products and propositions:

• identifying our customers' target market.
• identifying what is not our customers' target market.
• reviewing distribution arrangements and working with distributors where relevant.

In addition to assessing our products and propositions as suitable for sale and distribution on their introduction, we monitor and review our products and propositions on an ongoing basis to check that they remain appropriate for our customers' objectives, financial situation and needs.

Where necessary, AFA modifies or withdraws a product or proposition if it does not meet our criteria.

Under the ODO regime, distributors of financial products must take reasonable steps that will, or are reasonably likely to, result in the distribution of a financial product being consistent with the TMD for that product. This includes obligations to report certain information to issuers, such as for complaints and breaches of product related distribution condtions.

This reporting is due quarterly and can be submitted by completing this form and emailing afatmd@afainsurance.com.au.

Any significant dealing that is not consistent with a TMD should be reported to AFA within 10 business days, by completing the "Significant Dealings" tab of this form and emailing it to afatmd@afainsurance.com.au.

If you have any other questions or issues, please contact AFA Insurance at underwriters@afainsurance.com.au.