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LifeRisk Online has taken all reasonable care in preparing this Report and takes no responsibility for inadvertent errors and omissions, or those due to information received from other parties. If any errors or omissions are found, these should be brought to our attention so that appropriate corrective action can be taken.

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LifeRisk Online, its employees and associated persons make no recommendations, representations, warranties nor provide opinions, implied or otherwise about the suitability in general terms of a particular asset type or insurance and its suitability for any particular individual or organization.

This report is provided as an information service and is not suitable to be acted upon as investment advice without additional input from an Authorized Representative of an Australian Financial Services License Holder. In particular, LifeRisk Online warns that in preparing this report it did not take into account the individual goals and objectives, anticipated resources, current situation, attitudes or other circumstances of any particular person - in this regard any such user must consult with an appropriate Authorized Representative Australian Financial Services License Holder.

Plan For Life is a firm of Consulting Actuaries and Researchers which provides a range of research services including data, software and consulting services to Investment, Insurance Risk and other financial services organizations. Plan For Life also provides some of these services to Investment Advisory and Financial Planning organizations.

Plan For Life is not an Australian Financial Services License Holder and none of its employees and associated persons are currently Authorized Representatives of a License Holder.