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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/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. The material contained in this document is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate. Opinions constitute our judgment at the time of issue and are subject to change. Neither, the Licensee or any of the Oreana Group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this document. Samuel Adams and Glen Orbell of Adams Orbell Pty Ltd and Andrew McGrath of Windsor Advisory Pty Limited are Authorised Representatives of Oreana Financial Services Limited ABN 91 607 515, an Australian Financial Services Licensee, Registered office at Level 7, 484 St Kilda Road, Melbourne, VIC 3004. This site is designed for Australian residents only. Nothing on this website is an offer or a solicitation of an offer to acquire any products or services, by any person or entity outside of Australia. Terms and Conditions While Adams Orbell McGrath Partners Private Wealth is of the view that the contents of this website and/or email are based on information which is believed to be reliable, its accuracy and completeness are not guaranteed. No warranty of accuracy or reliability is given or implied, and no responsibility for any loss or damage arising in any way for any representation, act or omission is accepted by Adams Orbell McGrath Partners Private Wealth, Oreana Financial Services Ltd or any oﬃcer, agent or employee of Adams Orbell McGrath Partners Private Wealth or Oreana Financial Services Ltd.