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Smith Coffey Financial Management Pty Ltd and its related entities distributing this information and each of their respective directors, officers and agents ("Smith Coffey") believe that the information contained herewith is correct and that any estimates, opinions, conclusions or recommendations contained herein are reasonably held or made as at the time of compilation. However, no warranty is made as to the accuracy or reliability of any estimates, opinions, conclusions, recommendations (which may change without notice) or other information contained in this document and, to the maximum extent permitted by law, Smith Coffey disclaims all liability and responsibility for any direct or indirect loss or damage which may be suffered by any recipient through relying on anything contained in or omitted from this information.

This document contains general comments only. In preparing this document, Smith Coffey did not take into account the investment objectives, financial situation or particular needs ('financial circumstances') of any particular person. Accordingly, before acting on any comment contained in this document, you should assess and where necessary seek professional advice as to whether any such action is appropriate in light of your own financial circumstances. 

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The Smith Coffey web site may contain links to other web sites. These links are not endorsed by Smith Coffey, but are provided for convenience. We therefore take no responsibility or make any guarantees regarding information etc contained/within   third party sites.

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Professional Standards Scheme

In accordance with requirements of the Chartered Accountants Australia and New Zealand/Certified Practicing Accountants Australia/Institute of Public Accountants we advise that: the responsibility for the accuracy and completeness of the particulars and information provided by our client rests with our client; any advice given to our client is only an opinion based on our knowledge of our client's particular circumstances; and a taxpayer has obligations under self assessment to keep full and proper records in order to facilitate the preparation of accurate returns.

Liability limited by a scheme approved under Professional Standards Legislation.

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