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This broadcast has been prepared by FMD Financial and is intended to be a general overview of the subject matter. The broadcast is not intended to be comprehensive and should not be relied upon as such. In preparing this broadcast, we have not taken into account the individual objectives or circumstances of any person. Legal, financial and other professional advice should be sought prior to applying the information contained in this broadcast to particular circumstances. FMD Financial, its officers and employees will not be liable for any loss or damage sustained by any person acting in reliance on the information contained in this broadcast.

FMD Group Pty Ltd ACN 103 115 591 trading as FMD Financial is a Corporate Authorised Representative of Paragem Pty Ltd AFSL 297276