H.D. & C Securities Limited Benalla - Investments and Loans

Terms and Conditions - Online Prospectus

Terms and Conditions - Online Prospectus

The following document is an electronic reproduction of the H.D. & C. Securities Limited Prospectus No. 13 dated 1st December 2011 ('Prospectus'), being the day it was lodged with the Australian Securities and Investments Commission ('ASIC'). ASIC takes no responsibility for the content of the Prospectus. The Prospectus expires on 31st December 2012, being 13 months after the date of lodgement.

The offer to invest in Investment Notes of H.D. & C. Securities Limited referred to in the Prospectus ('the Offer') will remain open until 31st December 2012, however, H.D. & C. Securities Limited reserves the right to close the Offer at any earlier time.

Agreement to access the Online Prospectus

To access the H.D. & C. Securities Limited Online Prospectus and Investment Application Form, you must first read and agree to the following terms and conditions.

1. Investment Notes of H.D. & C. Securities Limited will only be issued based on an Investment Application Form accompanying a paper version of the Prospectus, or on a completed printed copy of the Investment Application Form attached to the electronic version of the Prospectus, following the exposure period. As a guide, the Prospectus is 32 pages in length and the Investment Application Form is 2 pages in length.

2. The Corporations Act prohibits any person from passing on to another person any Investment Application Form unless it is accompanied by a hard copy of the Prospectus or, in the case of an electronic Prospectus and Investment Application Form, is linked to the complete and unaltered online form of the Prospectus. Investors should read the Prospectus before completing the relevant Investment Application Form.

3. Applicants should read the Prospectus in its entirety, as the information contained in individual sections is not intended to and does not provide a comprehensive review of the Investment Notes offered under the Prospectus. Applicants are advised to seek independent professional advice, before applying for Investment Notes under the Prospectus.

4. The Offer is only available to persons within Australia. Any person accessing this Prospectus for the purpose of investing in Investment Notes offered by H.D. & C. Securities Limited must access the Prospectus from within Australia.

5. The Prospectus does not constitute an offer in any place in which, or to any person to whom, it would not be lawful to make such an offer. The distribution of the Prospectus in jurisdictions outside Australia may be restricted by law and persons who come into possession of the Prospectus should seek advice on and observe any such restrictions. Any failure to comply with such restrictions may constitute a violation of applicable securities law.

6. H.D. & C. Securities Limited reserves the right to refuse to issue Investment Notes to any applicant if it believes:

the applicant did not receive the Offer in Australia;

did not have access to the Prospectus at the same time and by the same means that the applicant had access to the relevant Investment Application Form.

7. A paper copy of the Prospectus, any replacement or supplementary Prospectus or the Investment Application Form, can be obtained on request and without charge from the registered office of H.D. & C. Securities Limited at 26 Bridge Street East, Benalla, Victoria, 3672 or by calling (03) 5762 1234. Please also call this number if you have any queries relating to the Prospectus.

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