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For further information you may contact us by visiting www.meritumfg.com.au or by calling 03 5382 3460. Meritum Financial Group 24A Darlot Street HORSHAM VICTORIA AUSTRALIA Advice Disclaimer Any advice that is given by the speakers at our meeting today has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Robert Goudie Financial Advisers Pty Ltd (ABN 86 564 945 042), authorised representative of Meritum Financial Group Pty Ltd (AFSL no 245 569). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.