Risk Disclosure/Policy

Risks Disclosure/Policy

Risks: PLEASE READ THE IMPORTANT DISCLOSURES BELOW.

IMPORTANT NOTE: Options, Cryptocurrencies and Futures transactions are complex and involve a high degree of risk, are intended for sophisticated investors and are not suitable for all investors. For more information, please read the Characteristics and Risks of Standardized Options and Risk Disclosure Statement for Futures and Options before you begin trading options. Supporting documentation for any claims made regarding options will be supplied upon request.

The amount of initial margin is small relative to the value of the futures contract. A relatively small market movement will have a proportionately larger impact on the funds you have deposited or will have to deposit, which may work against you as well as for you. You may sustain a total loss of initial margin funds and any additional funds deposited with ASTRO FINANCE PTY or its subsidiaries to maintain your position. If the market moves against your positions or margin levels are increased, you may be called upon by ASTRO FINANCE PTY to pay substantial additional funds on short notice to maintain your position or your position may be liquidated at a loss by ASTRO FINANCE PTY and you will be liable for any resulting deficit. As a general matter, ASTRO FINANCE PTY does not permit physical delivery of commodities or digital assets. Customers that hold futures to maturity may be subject to immediate liquidation including at a loss and appliable fees.

Before deciding whether to retain assets in a retirement plan account through a former employer, or roll them over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions, and possession of employer stock. For additional information, view the FINRA Investor Alert.

Diversification and asset allocation strategies do not ensure profit or protect against loss in declining markets. Investments in securities and other instruments involve risk and will not always be profitable including loss of principal. Investing in securities involves risk, including possible loss of principal. Prior to investing in a managed portfolio, ASTRO FINANCE PTY Capital Management will obtain important information about your financial situation and risk tolerances and provide you with a detailed investment proposal, investment advisory agreement, and wrap fee programs brochure. These documents contain important information that should be read carefully before enrolling in a managed account program. Please read the ASTRO FINANCE PTY Wrap Fee Programs Brochure for more information on the advisory fee, rebalancing methodologies, portfolio management, affiliations, and services offered.

The material provided by ASTRO FINANCE PTY Financial Corporation or any of its direct or indirect subsidiaries (ASTRO FINANCE) or by a third party not affiliated with ASTRO FINANCE PTY is for educational purposes only and is not an individualized recommendation. The information contained in the third-party material has not been endorsed or approved by ASTRO FINANCE PTY, and ASTRO FINANCE PTY is not responsible for the content. This information neither is, nor should be construed as, an offer or a solicitation of an offer, or a recommendation, to buy, sell, or hold any security, financial product, or instrument discussed herein, or to open a particular account or to engage in any specific investment strategy by ASTRO FINANCE PTY.

ASTRO FINANCE PTY credits and offers may be subject to Australia, U.S and Canada withholding taxes and reporting at retail value. Taxes related to these credits and offers are the customer's responsibility. Offer valid for new ASTRO FINANCE PTY Securities customers opening one new eligible retirement or brokerage account by 31/12/2020 and funded within 60 days of account opening with $5,000 or more. Offer excludes any customers with existing ASTRO FINANCE PTY Securities accounts or accounts with other ASTRO FINANCE PTY affiliates. Promo code 'ASTRO20' can only be used once per person for one account. Cash bonus: Cash credits will be granted based on deposits of new funds or securities from external accounts made within 60 days of account opening, as follows:$5,000-$9,999 will receive $25; $10,000-$24,999 will receive $50; $25,000-$99,999 will receive $200; $100,000-$249,999 will receive $300; $250,000-$499,999 will receive $600; $500,000-$999,999 will receive $1,200; $1,000,000 or more will receive $2,500.Reward tiers ($5,000-$9,999; $10,000-$24,999; $25,000-$99,999; $100,000-$249,999; $500,000-$999,999) will be paid following the expiration of the 60-day period. However, if you deposit $250,000-$499,999, you will receive a cash credit within seven business days. If you have deposited at least $250,000 in the new account, and you make subsequent deposits in that account to reach a higher tier, you will receive a second cash credit following the close of the 60-day window. For example, if you deposit $300,000, you will receive a cash credit of $600 within seven business days, then if you deposit additional $200,000 into your new account, you will receive an additional cash credit of $600 at the end of the 60-day window for a total reward of $1,200. If you deposit $500,000 or more, in your new account you will receive a cash credit in two transactions at the end of the 60-day window—depending on your initial funding amount. If you deposit $1,000,000 in your new account, you will receive two cash credits that will total $2,500 within seven business days. Limitations: This offer is not valid for business, unincorporated organization, ASTRO FINANCE PTY Futures, ASTRO FINANCE PTY Capital Management, or select retirement accounts including SEP IRA, SIMPLE IRA, retirement accounts for minors, profit sharing plan, money purchase pension plan, or investment only noncustodial retirement plan. Excludes current ASTRO FINANCE PTY, including any subsidiaries thereof, non-U.S. residents, and any jurisdiction where this offer is not valid. You must be the original recipient of this offer to enroll. This offer does not apply to any linked or secondary accounts. Customers may only be enrolled in one offer at a time. One offer per customer at a time. Cannot be combined with any other offers. Other rules: New funds or securities must be deposited or transferred within 60 days of enrollment in offer, be from accounts outside of ASTRO FINANCE PTY, and remain in the account (minus any trading losses) for a minimum of twelve months or the cash credit(s) may be surrendered. Removing any deposit or cash during the promotion period (60 days) may result in lower reward amount or loss of reward. ASTRO FINANCE PTY Securities reserves the right to terminate this offer at any time.If you are attempting to enroll in this offer with a Joint Account, the primary account holder may have to fulfill at the tiers noted before the secondary account holder can enroll in this offer. If you experience any issues when attempting to enroll with a Joint Account, please contact us at +61-1800-196-594 and we will be able to assist you with your enrollment.

A distribution from a Roth IRA is federally tax-free and penalty-free provided that the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, suffer a disability, or qualified first time home purchase. All withdrawals from Individual Retirement Accounts will be considered distributions and reportable on IRS Form 1099R (applicable to US residents and/or citizens). You must include all amounts you receive from the IRA in your gross income except amounts attributed to nondeductible contributions and amounts rolled back into an IRA or qualified plan. Federal and state income tax will not be withheld from these payments, and it is your responsibility to make estimated tax payments if necessary. You expressly assume the responsibility for any adverse consequences that may arise from an IRA withdrawal and agree that ASTRO FINANCE PTY Securities shall in no way be held responsible. ASTRO FINANCE PTY Financial Corporation and its affiliates do not provide tax advice, and none of this information should be construed as tax advice. Before acting on any information, consult your own accountant or tax advisor.

The Annual Advisory Fee is 0.30% and is the direct fee charged to any client in the advisory program. The advisory fee does not cover underlying management fees and expenses of any mutual fund or ETF investment held in the portfolio.

Securities, investment advisory, commodity futures, options on futures and other non-deposit investment products and services are not insured by the FDIC and are subject to investment risk, including possible loss of the principal amount invested. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.

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