This publication has been prepared to provide you with general information only. It is not intended to take the place of professional advice and you should not take action on specific issues in reliance on this information. In preparing this information, we did not take into account the investment objectives, financial situation or particular needs of any particular person. Before making an investment decision, you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs, objectives and circumstances. This information is provided for persons in Australia and it is not provided for the use of any person who is in any other country. From time to time we may bring to your attention products, services or other information which may be relevant to your financial plan. If you no longer wish to receive this information please contact us directly.
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