Disclaimer

The purpose of this website is to provide general information only and the contents of this website do
not purport to provide personal financial advice. The Wealth Affect strongly recommends that
investors consult a financial adviser prior to making any investment decision.

The contents of The Wealth Affect’s website does not take into account the investment objectives,
financial situation or particular needs of any person and should not be used as the basis for making
any financial or other decisions. The information is selective and may not be complete or accurate for
your particular purposes and should not be construed as a recommendation to invest in any particular
product, investment or security.

The information provided on this website is given in good faith and is believed to be accurate at the
time of compilation.

You should obtain a copy of the PDS and Target Market Determination relating to the product and
consider it before making any decision to acquire the product.

The information in this site has been prepared in accordance with Australian law for the supply of
goods and services. This notice and the information in this site and all matters relating to either are
governed by and are to be construed according to the laws applicable in the State of New South
Wales and the Commonwealth of Australia (“Australian law”).

The information may not satisfy the laws of any other country. It is not directed at people in any other
country and should not be relied on by people in any country other than Australia. The information in
this site is current at the date of publication but may be subject to change.

This website may contain a number of links to other Internet sites. The provision of these links does
not mean The Wealth Affect endorses or accepts any responsibility for the content, use or products
and services made available through these websites. If you use these links, you acknowledge and
agree that The Wealth Affect is not responsible for the actions, content, accuracy, privacy policies,
opinions expressed, services provided, or other links provided by these sites. You further
acknowledge and agree that Lifespan is not responsible either directly or indirectly for any damage or
loss caused by use or reliance on linked sites. Should you have any questions regarding these sites,
you should address them directly with the relevant site administrator.

No representation is given, warranty made, or responsibility taken about the accuracy, timeliness or
completeness of information sourced from third parties. Because of this, we recommend you
consider, with or without the assistance of a financial adviser, whether the information is appropriate
having regard to your particular circumstances.

The Wealth Affect acts on behalf of Lifespan who is responsible for the advice provided to you.
However, your adviser may operate separate businesses, and provide other services through thosebusinesses, which are NOT authorised by Lifespan and do NOT involve Lifespan in any way, such as:
accounting, auditing, tax return preparation, self-managed super fund compliance and administration,
property sales and referrals, and other products and activities. Lifespan is NOT responsible for any
advice and services you receive from your adviser that are not authorised by Lifespan.