The material you have accessed or are about to access (“Material”) has been prepared by Judo Bank Pty Ltd ABN 11 615 995 581 AFSL and Australian Credit Licence 501091 and Judo Capital Holdings Limited ABN 71 612 862 727 (together, “Judo”). Any advice contained in the Material has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice in the Material, Judo recommends that you consider whether the advice is appropriate for your circumstances.

So far as laws and regulatory requirements permit, Judo, its related companies, controlled entities, associated entities and any officer, employee, agent, adviser or contractor thereof (the “Judo Group”) does not warrant or represent that the information, recommendations, opinions or conclusions contained in the Material (“Information”) is accurate, reliable, complete or current. The Information is indicative and prepared for information purposes only and does not purport to contain all matters relevant to any particular investment or financial instrument. The Information is not intended to be relied upon and, in all cases, anyone proposing to use the Information should independently verify and check its accuracy, completeness, reliability and suitability and obtain appropriate professional advice. The Information is not intended to create any legal or fiduciary relationship and nothing contained in this document will be considered an invitation to apply for securities, a recommendation, offer, guidance, invitation, inducement, proposal, advice or solicitation to provide investment, financial or banking services or an invitation to engage in business or invest, buy, sell or deal in any securities or other financial products, services or instruments unless that is specifically stated in the Information (and in that case, the Information does not constitute an offer, solicitation or invitation to apply for securities, or any other financial product or service, or to engage in any investment activity, in any place in which, or to any person to whom, it would be unlawful to make such an offer, solicitation or invitation).

The Information is subject to change without notice, but the Judo Group shall not be under any duty to update or correct it.

The Information may contain statements that are, or may be deemed to be, forward-looking statements. To the extent that anything in the Information constitutes forward-looking statements, it reflects the Judo Group’s intent, belief or current expectations at the relevant date. Such forward-looking statements are not guarantees of future performance and involve known and unknown risks, assumptions and uncertainties, many of which are beyond the Judo Group’s control, which may cause actual results to differ materially from those expressed or implied. Undue reliance should not be placed on any forward-looking statement and, other than as required by law, the Judo Group does not give any representation, assurance or guarantee that the occurrence of the events, results and outcomes expressed or implied in any forward-looking statement will actually occur. Subject to any continuing obligations under applicable law, the Judo Group expressly disclaims any obligation to provide any updates or revisions to any forward-looking statements in the Material to reflect events or circumstances after the relevant date the Material was prepared. There are a number of other important factors that could cause actual results to differ materially from those set out in the Information or Material, including the risks and uncertainties associated with the ongoing impacts of COVID-19.

All monetary amounts are expressed in Australian dollars.

Past performance information given in the Information (if any) is for illustrative purposes only and should not be relied upon as, and is not, indicative of future performance.

Subject to any terms implied by law and which cannot be excluded, the Judo Group shall not be liable for any errors, omissions, defects or misrepresentations in the Information (including by reasons of negligence, negligent misstatement or otherwise) or for any loss or damage (whether direct or indirect) suffered by persons who use or rely on the Information. If any law prohibits the exclusion of such liability, the Judo Group limits its liability to the re-supply of the Information, provided that such limitation is permitted by law and is fair and reasonable.

The Information is intended only for clients of and investors in the Judo Group, and brokers who refer customers to the Judo Group, and may not be reproduced or distributed without the consent of Judo.

The Information is governed by, and is to be construed in accordance with, the laws in force in the State of Victoria, Australia.