Why Smartsalary?

Date (20 March 2013)

Our value proposition: The Smartsalary 6Cs – What makes us different

• Over 125 Clients and 92,000 Customers across Australia

• Most awarded and fastest growing salary packaging and

novated leasing firm in Australia

• Employs over 300 staff all over Australia

• Financially strong, operational excellence, customer focused,

taxation expertise

Smartsalary Key facts

Customer service is in the centre of everything we do

We measure ourselves through the Net Promoter score framework – consistently perform much higher than financial services benchmark

Our customer service credentials were recognised by Customer service institute of Australia: We won the BEST CUSTOMER SERVICE AWARD NATIONALLY in the medium business category

Our Customer service credentials have been improving every year

NSW State winner

Certified

Choice: We provide a choice of channels for our customers to reach us on

Action Ways we interact with our customers

Coming soon

Communication: We proactively communicate with our customers for education and operational purposes

Communication with Employees Communication with Employers

Service centre that is open 6 days a week

Making salary packaging work involves a lot of customer education – we find that more face to face time onsite increases uptake and participation of employees in the benefit

We have instructional videos that explain these benefits – employees can assimilate information at their own pace

We send regular email reminders whenever an important action is due from the employee

If emails bounce, then we ensure the message is reached by post mail

If customers miss talking to our agents directly, they can catch up on regular educational webinars on salary packaging and novated leasing

SMS reminders on any deadlines and reminders

Every employer contact will have access to an exclusive relationship manager to troubleshoot and send reports on

An executive sponsor is also given for any escalation purposes

Convenience: We make access to benefits quick, intuitive and efficient

Our Convenience:

- Best in class mobile app through customers can apply, enquire and even claim expenses completely compliant with ATO rulings

- Online claims that make it really easy to interact with customer service

- Only salary packaging company social channel for customer service

Mobile Claims: Summary of claim

9

Our calculators make it easy to communicate total rewards and benefits

Compliance: Strong internal controls and expertise in tax rulings

Access to specialised taxation advice

• Unlike most salary packaging companies Smartsalary employs a full-time specialist in-house taxation advisor to ensure our salary packaging rules and processes are fully compliant with Australian income tax and fringe benefits tax laws – which is good since the ATO is a client of ours!

• Our Senior Tax Advisor, Mr Simon Ellis, is a recognised FBT and salary packaging expert with over 10 years experience consulting for Australia’s largest employers and over five years experience focusing on salary-packaging related tax issues. He has sat on the ATO’s FBT subcommittee, is the Taxation Director for the Australian Salary Packaging Industry Association, and is a regular speaker on the payroll and benefits circuit.

• Simon is available to work with our clients to prepare taxation rulings where necessary and to consult on curly taxation questions – all free of charge of course!

Internal security controls

• We have internal controls in place ensuring the safety and security of customer funds including

Community: We believe that sustainability of our company is linked to welfare of our community

We have Customer education and service agents all over Australia

Queensland• Representatives in Brisbane, Gold Coast, Townsville and

Cairns• Service entire stateNSW/ ACT• Representatives in Sydney• Service entire stateACT• Representatives in Canberra• Service entire state/ SSE NSWWA• Representatives in Perth • Service entire stateVIC• Representatives in Melbourne• 1 x Mobile leasing Consultant (Melbourne)• Service entire stateSA- Representatives in Mt Gambier- Mobile leasing Consultant (Adelaide)- Service entire stateNT- 1x Mobile leasing Consultant (Darwin) - Service Darwin and Katherine