Disclosure Statement: Financial Springs Pty Ltd (ABN 14 111 170 686) is Corporate Authorised Representative 429700 of Professional Investment Services Pty Ltd (ABN 11 074 608 558, AFSL 234951). PIS Licensee Information: www.centrepointalliance.com.au  Telephone number 1300 557 598  Email address profinvest@cpal.com.au  Financial Services Guide/Privacy Policy  PIS Complaints Process General Advice Warning: The information provided in this communication has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Professional Investment Services Pty Ltd (PIS) Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither PIS nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.