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This information is provided by MLC Investment Limited (ABN 30 002 641 661 AFSL 230705) and MLC Limited (ABN 90 000 000 402 AFSL 230694) (together “MLC” or “We”), at 105–153 Miller Street, North Sydney, NSW 2060, members of the National Australia Bank Limited (ABN 12 004 044 4397, AFSL 230 686) group of companies (“NAB Group”). NAB Asset Management is the asset management business of the NAB Group and provides investment advisory services to MLC. MLC may use the services of NAB Group companies where it makes good business sense to do so and will benefit customers and amounts paid for these services are always negotiated on an arm’s length basis. An investment with MLC does not represent a deposit or liability of the NAB Group. This information may constitute general advice. It has been prepared without taking account of individual objectives, financial situation or needs and because of that you should, before acting on the advice, consider the appropriateness of the advice having regard to your personal objectives, financial situation and needs. We believe that the information contained in this communication is correct and that any estimates, opinions, conclusions or recommendations are reasonably held or made as at the time of compilation. However, no warranty is made as to the accuracy or reliability of this information (which may change without notice). We rely on third parties to provide certain information and are not responsible for its accuracy, nor are we liable for any loss arising from it.