This is by way of a letter of appreciation and recommendation to anyone seeking financial advice.

I took retrenchment during a period when superannuation funds were in the negative.

For many people my age, who were looking for growth in their super, this caused great concern. I knew that a number of friends were experiencing losses on their investments which made me feel quite uneasy.

Thanks to Stephen Varhegyi's sound advice and business acumen, he has kept my funds balanced and secure. I know there is a great deal of 'financial advice' out there, but when it comes down to basics, you really rely on the ability and trust built up with a financial adviser.

Stephen has kept in touch regularly, kept me informed how my investments were performing and provided great customer service at all times and I really do trust his judgement in matters that are way over my head.

The interest he has shown in me and my family have been sincere and his assistance genuine.

To anyone confused at where to go for sound financial advice, I would readily offer Stephen Varhegyi as a financial adviser they could trust.

Yours faithfully

Jennifer Kokany 19/11/2003

For twelve months leading up to my retirement in Sept. 1992, we conducted a lot of research into financial planners, and during this period received a variety of advice on planning my retirement finances.

Much of this advice was poorly assembled and not credible. Our final selection of Steve Varhegyi was confirmed by his professional presentation and explanation of the plan, which invoked our confidence in his financial advice.

This confidence has proved justified, not only by the strong performance of our portfolio over subsequent years, but also the regular reviews and his personal attention.

For eleven years we have had dealings with Steve on financial matters relating to our portfolio and both my wife Betty and myself think of him as a personal friend as well as our financial advisor.

Peter & Betty Lynch

24th November 2003.

I have been a client of Austax Accountants for many years and have received excellent service at all times.

When I retired I approached them for financial advice. The advice I received was concise and clearly understood. The financial plan meets our present and future needs.

They are available for advice and service at all times. I am completely satisfied and can recommend Austax Accountants without reservation.

John Holmes

Jim Jelich has been our tax and financial investments adviser for many years. We are always impressed by Jim's knowledge and advice. He explains matters in a clear manner and we are quite happy with his services.

Since 2002 when Steve Varhegyi joined the Company, he has been handling our financial portfolio. Steve is very thorough and explains the pros and cons of any matter we need to understand. He reviews our finances regularly and if we have any queries, he is always available.

We would have no hesitation in recommending Jim, Steve and the staff of Austax for all accounting and financial investment matters.

Keith and Maureen Barrett

We have been using Austax now for a period of 10 years.

During that time Jimmy, Stephen, Pauline and all the team have been great advisers and always make us feel welcome and part of a great family business.

First it was only doing our taxes, then setting up our own business and now also as financial advisers, for both our personal requirements and that of our pest control company.

We would not have been able to do it without you all.

Many Thanks

Garry & Stella Millar

I have been more than happy with Austax and their service in providing me advice and assistance with all of my financial matters. After departing from the armed service with 20 years service and retirement benefits, to assisting with investment property and trials and tribulations of going through redundancy in a latter stage of life, I believe that without the support of Austax, my financial situation would be in a completely different situation than now. With the prospect of early retirement looking more a reality, many thanks are due to Austax.

Karen Kelly