Glossary of Important Terms

Investors Cental offer a range of fixed interest preference share options, each investor can choose a term and return that suits their personal circumstances. Please be aware that the ratio of terms are regulated specifically by Investors Centrals funding, meaning not all investment options are available at all times.

Term Description

AEST

Australian Eastern Standard Time

Applicant

A person who submits an Application Form

Application Form

an application form attached to this Prospectus.

Application Money

the money received by the Company pursuant to the Offer, being the Offer Price multiplied by the number of Preference Shares applied for.

ASIC

Australian Securities and Investments Commission.

ATO

Australian Tax Office.

Board

the board of directors of the Company.

Business Day

means a day which is not a Saturday or Sunday or public holiday in Townsville, Queensland.

CGT

capital gains tax.

Closing Date

the date on which the Offer closes, being 26 September 2016, or another date nominated by the Company.

Company or Investors Central

Investors Central Limited ACN 143 097 385.

Corporations Act

Corporations Act 2001 (Cth).

Directors

the directors of the Company.

Director Shareholders

the parties associated with each of the Directors as noted in section 9.4.

EBIT

Earnings before interest and income tax.

EBITDA

Earnings before interest, income tax, depreciation and amortisation.

Finance One

Fin One Pty Ltd ACN 139 719 903, trading as Finance One.

Group

means Investors Central and each of its subsidiaries.

Issue Date

means the date Preference Shares are issued to an Applicant by the Company.

Investment Term

means the period from and including the Issue Date until the Recorded Maturity Date.

Loan Book Carrying Value

Value of the loan book for financial reporting purposes in accordance with Australian Accounting Standards measured at amortised cost using the effective interest method net of any provisions for impairment losses.

LVR

means loan to value ratio, calculated as the current value of the security offered by a borrower divided by the principal amount owing under a loan.

Maturing Money

means the money invested in the Preference Shares on the Issue Date.

Maturity Date

has the meaning given to that term by clause 4.7 of the Terms of Issue.

McGeachie Group

means a group of private companies, including the Company, which are owned by members of the McGeachie family.

Money Owing

means the Principal Investment Amount and any interest, which is payable on the Preference Shares and, in relation to a Preference Shareholder, means that portion of those moneys which is owing to that Preference Shareholder.

Noteholders

holders of Unsecured Notes in Investors Central.

NPAT

Net profit after tax.

NPBT

Net profit before tax.

Offer

the offer of Preference Shares under this Prospectus.

Offer Price

$1.00 per Preference Share.

Ordinary Share

means an ordinary share issued in the share capital of the Company.

Ordinary Shareholder

means a person who holds an Ordinary Share.

Paying Agent

means a person appointed by Investors Central to act as paying agent to distribute Moneys Owing to Preference Shareholders.

Personnel

employees and professional services contractors of Investors Central.

Preference Share

means redeemable preference shares issued in the share capital of the Company.

Preference Shareholder

means a person who holds a Preference Share.

Preference Share Payment Period

means for:
(a) the first Preference Share Payment Period, the period commencing on the Issue Date up until and including the last day of that month;
(b) Preference Share Payment Periods thereafter, the first day of each month up until and including the last day of each month;
(c) the final Preference Share Payment Period, the period commencing the day after the previous Preference Share Payment Period up until the Maturity Date.

Principal Investment Amount

Offer Price multiplied by the number of Preference Shares issued to a Preference Shareholder.

Prospectus

this Prospectus.

Qualified Accountant

means a person who is a member of one or more of the professional bodies mentioned below: (a) CPA Australia who is entitled to use the post nominals ‘CPA’ or ‘FCPA’;
(b) the Institute of Chartered Accountants in Australia who is entitled to use the post nominals ‘CA’ or ‘ACA’ or ‘FCA’;
(c) the National Institute of Accountants who is entitled to use the post nominals ‘PNA’, ‘FPNA’, ‘MNIA’ or ‘FNIA’; or
(d) a member of a foreign professional accounting body which is approved by ASIC.

Recorded Maturity Date

the Recorded Maturity Date for a Preference Share must be determined by reference to the Issue Date of the Preference Share and the Fixed Investment Term upon which the Preference Shares are issued.

Share

means a share issued in the share capital of the Company.

Shareholder

means a person who holds a Share.

Terms of Issue

means the terms and conditions upon which the Preference Shares are issued as set out in section 4 of this Prospectus.

Unsecured Notes

unsecured notes issued by Investors Central under an information memorandum dated 1 July 2011.

Unsecured Notes Deed

means the unsecured notes deed executed by Investors Central on 1 July 2011.

Us or we

the Company.

Download the prospectus

Through the prospectus Australian investors with $25,000 or more have the opportunity to invest in an attractive fixed interest with a range of investment terms from 12 to 60 months providing a steady income stream to compliment a successful diverse investment portfolio. Our investors received over $7M in interest payments in the last financial year.

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