These videos were prepared by Bridges Financial Services Pty Limited (Bridges). ASX Participant. AFSL No 240837. Part of the IOOF group.

This is general advice only and has been prepared without taking into account your particular objectives, financial circumstances and needs. Before making any decision based on this video, you should assess your own circumstances or consult a financial planner.

Any examples used are for illustrative purposes only.

To the extent permitted by law, Bridges, its employees, consultants, advisers, officers and authorised representatives are not liable for any loss or damage arising as a result of any reliance placed on the contents of this presentation.

In referring members to Bridges, your financial institution does not accept responsibility for any acts, omissions or advice of Bridges and its authorised representatives.