Website Content

The information on this Website is for information purposes only. It is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. User accesses, uses, and relies upon such content at User's own risk. Please seek the advice of professionals as necessary regarding the evaluation of any content on this Website. The information on this Website is not intended as an offer or solicitation for the purchase of any stock, any other security or any financial instrument or to provide any investment service or investment advice in any jurisdiction.

Financial Services

Access Financial does not hold an Australian Financial Services Licence ("AFSL"). Accordingly, Access Financial does not offer any products or services that require an AFSL. Access Financial will not offer securities or financial services nor make recommendations as to securities or financial services

Your Responsibilities

You agree that (i) you will not engage in any activities related to this Website that are contrary to applicable law, regulation or the terms of any agreements you have with us, and (ii) in circumstances where locations of this Website require identification for access, you will be responsible for protecting your user identification name ("Username") and password from unauthorised use and disclosure. You will notify us immediately if you become aware of and believe there has been any breach of security of your information. You agree that you will not use any robot, spider, other automatic device or manual process to monitor or copy our web pages, data or the content contained herein or for any other unauthorized purpose without our prior express written permission.

Australian Residents Only

This Website is controlled and maintained by us in Australia and no representation is made that the information contained in this Website is appropriate for use in locations outside of Australia. You will represent and warrant that you are (i) an Australian resident, (ii) not a US resident, (iii) not a US person and to the extent that you access this Website from locations out of Australia, you will be responsible for compliance with any applicable local laws.

Links to Other Sites

Any links to unaffiliated websites are provided solely for your convenience only and we have no control over the content on such unaffiliated websites. If you choose to link to a website we do not control, we make no warranties, either express or implied, concerning your use of or inability to use such site, the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor do we warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. We do not guarantee the authenticity of documents on the Internet or such other unaffiliated sites. Links to unaffiliated sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such sites, or any representation regarding the content at such sites and we expressly disclaim any such endorsement or representation. In addition, these third party websites may have a privacy policy or security practices different from this Website so it is important to read the policies of those sites before sharing your personal information.

Copyright and Limitations on Your Use of Information

The works of authorship contained in this Website, including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by Access. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without Access's prior written consent. Your represent and warrant that printing or downloading information from this Website is done so for personal use only.

Potential Disruption of Service

You shall be responsible for obtaining and maintaining all telephone, computer hardware, software, and other equipment needed to access and use this Website. Access to this Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:

(i) hardware failure, including among other things, failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;

(ii) software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;

(iii) overload of system capacities;

(iv) damage caused by severe weather, earthquakes, wars, insurrection, riots, terrorism, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;

(v) interruption (whether partial or total) of power supplies or other utility of service;

(vi) strike or other stoppage (whether partial or total) of labor;

(vii) governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or

(viii) any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond our control.

If access to this Website is unavailable, delayed or limited, or if this Website does not operate quickly and efficiently you may be unable to retrieve information on a timely

basis. If your operations are dependent on such communications with us, and such communications are disrupted or delayed, you may suffer losses. Access will not be liable for any such loss.

Indemnification by User

User will indemnify Access and its affiliates and their directors, employees and associates from any claims, losses, expenses and damages, including

reasonable legal fees as a result of or relating to:

(i) any breach of these Terms by the User; and/or

(ii) any unauthorised receipt or use of the content in the Website by the User; and/or

(iii) any unauthorized use of the content in the Website by a third party as a result of the User?s receipt and use of the Website.

Limitation of Liability

Due to the possibility of human and mechanical error as well as other factors, the Website (including all information and materials contained on the Website)is provided "as is" and "as available". We, our affiliates, and any third party data providers:

(i) are not providing any warranties and representations regarding the Website;

(ii) disclaim all warranties and representations of any kind with regard to the Website, including any implied warranties of merchantability, non-infringement of third party rights, freedom from viruses or other harmful code, or fitness for a particular purpose;

(iii) do not warrant the accuracy, adequacy, or completeness of the information and materials contained on the Website and expressly disclaims liability for errors or omissions in the materials and information; and

(iv) will not be liable for any delay, difficulty in use, computer viruses, malicious code or other defect in this Website, any incompatibility between the Website and the user's files and the user's browser or other site accessing program, or any other problems experienced by the User due to causes beyond our control.

No license to the User is implied in these disclaimers. Nothing herein shall be construed as limiting or reducing our responsibilities and obligations to clients in accordance with applicable laws and regulations.

Under no circumstances will we be liable for any lost profits, lost opportunity or any indirect, consequential, incidental, special, punitive, or exemplary damages arising out of any use of or inability to use the Website or any portion thereof, regardless of whether we have been apprised of the likelihood of such damages occurring and regardless of the form of action, whether in contract, warranty, tort (including negligence), strict liability, or otherwise.

Online Communication

Communications that are sent to us via email or other electronic means may not be secure or received by us therefore it is not recommended that confidential information is sent by such means. You accept any risks that the information sent by such means may not be received by Access and/or be intercepted or altered by a third party

Amendment

We or our suppliers may discontinue or make changes in the information, products or services described herein at any time without prior notice to you and without any liability to you. Any access thereafter or use by you of the Website will constitute an acceptance of these changes. Any dated information is published as of its date only or, if no date is stated, the date of first posting. We do not undertake any obligation or responsibility to update or amend any information on this Website.

Governing Law and Interpretation

If any of these Terms shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms shall be subject to any other agreements you have entered into with us. The section headings used herein are for convenience only and shall not be given any legal import.

Your access to and use of the Website, and these Terms are governed by the laws of the State of New South Wales and the Commonwealth of Australia.

In addition, any action against Access arising from or relating to your access to and use of the Website, and these Terms, must be brought by you in the State of New South Wales.

Termination

We reserve the right to terminate any or all website offerings or transmissions without prior notice to you. Furthermore, no distribution or solicitation is made by us to any person to use this Website or the information, products or services in jurisdictions outside of Australia.

Material interests

Access and its affiliates and their directors, employees and associates may have or have had interests or positions, or traded the relevant securities, funds or other financial products contained in this Website.