Mercer Financial Advice

^{This communication has been prepared by Mercer Financial Advice (Australia) Pty Ltd (MFAAPL) ABN 76 153 168 293, Australian Financial Services Licence #411766. Address: 727 Collins St Docklands, 3008. Tel: 03 9623 5555. Any advice contained in this document is of a general nature only and does not take into account the personal needs and circumstances of any particular individual. Prior to acting on any information contained in this document, you need to take into account your own financial circumstances, consider the Product Disclosure Statement for any product you are considering, and seek professional advice from a licensed, or appropriately authorised financial adviser if you are unsure of what action to take. Mercer financial advisers are authorised representatives of MFAAPL. The material contained in this document is based on information received in good faith from sources within the market and on our understanding of legislation and government press releases at the date of publication which we believe to be reliable and accurate. Past performance should not be relied upon as an indicator of future performance. Forecasts are not guaranteed to occur.}

Mercer Financial Advice

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