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                1.    General advice warning.

                "Any of our content that may be considered to be advice has been prepared without taking account of your objectives, financial situation or needs.  Before you act on the advice, you should consider whether it is appropriate to you, having regard to your objectives, financial situation and needs.  Where this advice relates to the acquisition of a financial product, you should obtain and consider the Product Disclosure Statement for the product before you make a decision about whether to acquire the product."

                2.    No advice disclaimer.

                "Our Web content is not financial product advice.  In particular, it is not intended to be a recommendation or statement of opinion or to influence you in relation to making any decision about a financial product."

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