General Advice Warning

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial and tax and/or legal advice prior to acting on this information.

Before acquiring a financial product a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.

Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this document.

From time to time members of the National Australia group of companies, associated employees or agents may have an interest in or receive monetary or other benefits from the financial products and services mentioned in this document. The Licensee is associated with issuers of MLC Investments Ltd, MLC Ltd, NAB OnLine Trading Limited, Jana Investment Advisers Pty Ltd, PLUM Financial Services Limited, Navigator Australia Ltd, NULIS Nominees (Australia) Limited and National Australia Bank Ltd products and services.