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The information in this website contains general advice only and does not take into account your or your client's objectives, financial situation or needs. Before you act on any advice in this website please consider whether it is appropriate to your personal circumstances. You should also read the relevant Product Disclosure Statement and Target Market Determination before making any investment decision and download the Application Form which are available on our website, or you can obtain a copy by calling us on 1300 345 456. Futurity is not authorised to provide tax advice. You should seek independent tax advice regarding your personal circumstances.