General Advice Warning

General Advice Warning

This publication has been compiled by Authorised Representatives of Hillross Financial Services Ltd ABN 77 003 323 055), Australian Financial Services Licence Number 232705, (Hillross).

Material contained in this publication is a summary only and is based on information believed to be reliable and received from sources within the market. It is not the intention of Hillross that this publication be used asthe primary source of readers’ information but as an adjunct to their ownresources and training.

No representation is given, warranty made or responsibilitytaken as to the accuracy, timeliness or completeness of any information or recommendation contained in this publication and neither Hillross nor its related companies, employees or officers will be liable to the reader incontract or tort (including for negligence) or otherwise for any loss or damage arising as a result of the reader relying on any such information or recommendation (except in so far as any statutory liability cannot beexcluded).

This publication has been prepared without taking account of your objectives, financial situation or needs, and because of that you should, before acting on anything in this publication, consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. Past performance is not indicative of future performance. For taxation and superannuation matters, we recommend you seek advice from a suitably qualified professional advisor.