^{The linked podcasts (‘podcasts’) have been issued by Mercer (US) LLC and are distributed by Mercer Investments (Australia) Limited ABN 66 008 612 397 AFSL 244385 (‘MIAL’) in Australia on this website. MIAL is a wholly owned subsidiary of Mercer (Australia) Pty Ltd ABN 32 005 315 917 (‘Mercer Australia’). ‘MERCER’ is an Australian registered trademark of Mercer Australia.  
References to ‘Mercer’ shall be construed to include Mercer (US) LLC and/or its associated companies.  
These podcasts contain proprietary information of Mercer and content may not be modified, reproduced or sold, in whole or in part, to any other person or entity, without Mercer’s prior written permission.
The findings, ratings and/or opinions expressed by Mercer in the podcasts are the intellectual property of Mercer and are subject to change without notice. Past performance does not guarantee future results.  
Information in the podcasts may have been provided, contributed or obtained by third parties. It is believed to be accurate as at the date of compilation and is provided in good faith without independent verification. 
Although reasonable care has been taken, Mercer makes no representation or warranty as to the accuracy or completion of the information presented in the podcasts and takes no responsibility or liability (including for indirect, consequential or incidental damages), for any error, omission or inaccuracy or for content that may be modified, reproduced or sold without permission.  
The information contained in the podcasts is general in nature only. It does not constitute advice, an offer of financial products or services, or an offer or representation on behalf of Mercer. It does not take into account the objectives, financial situation or needs of any investor. An investor should consider whether the information is suitable for their circumstances and seek professional advice. 
MIAL may, from time to time, in its absolute discretion change, delete or replace the podcasts, materials and/or information provided on its website.}  

^{Please also refer to the Important Notices}

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