Armadale House Disclaimer Statement This disclaimer covers the material on the web site under domain www.armadalehouse.com.au The material contained within this web site is not intended to be nor should it be relied on as a substitute for investment or other professional advice. The material is a summary of the subject matter covered, without an assumption of a duty of care by Armadale House. Australian Financial Services License: Robert Amos is an Authorised Representative of Deakin Financial Services Pty Ltd. Robert's Authorised Representative Number is 237718 . Deakin Financial Services AFS Number is 231159 and its ABN is 98 084 676 871. When receiving advice such as securities, investments or insurance advice Deakin Financial Services Pty Ltd is licensed to provide such advice. This web site is for informational purposes only and does not constitute advice, a complete description of our services, investment advisory services or performance. This web site is in no way a solicitation or an offer to sell securities or investment advisory services. Real Estate Activities: Marc Schwarz trading as Armadale House Real Estate is the licensed provider of real estate advice; Marc Schwarz is licensed to provide such advice. At times in2property agent's representatives may operate from the offices of Armadale House; in2property is licensed to provide such advice. Finance Activities: Armadale House consultants and employees are Uniform Consumer Code Accredited and licensed introducers of Australian Finance Group Pty Ltd. Material on this Site: Changes are made periodically to the material, and material could include technical inaccuracies or typographical errors. Armadale House makes no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of any material. Armadale House does not warrant or represent that the material will not cause damage, or is free from any computer virus or any other defects or errors. Armadale House is not liable to users of the material for any loss or damage however caused resulting from the use of the material. Limitations of Liability: Subject to any applicable law to the contrary, which cannot be excluded, any liability incurred in relation to material is limited to the resupply of the material, or the reasonable cost of having the material resupplied. Under no circumstances will Armadale House Pty Ltd be liable for any incidental, special or consequential damages, including damages for loss of business or other profits arising in relation to use of the material. No client-adviser relationship created. Neither the transmission of any material, nor the receipt of any material, is intended to create, nor should such transmission or receipt be taken as creating, a client-adviser relationship between Armadale House and the recipient. Copyright of Material on this Site: Unless otherwise expressly indicated in specific material, Armadale House owns copyright subsisting in material on this site. Other than for the purposes of and subject to the conditions prescribed under the Copyright Act 1968, or any other applicable legislation throughout the world, or as otherwise provided for in this copyright notice, no part of any material on this site may in any form or by any means (including electronic, mechanical, micro copying, photocopying or recording) be reproduced, adapted, stored in a retrieval system or transmitted without the prior written permission of the copyright owner. Inquiries should be made to Armadale House at administrator@armadalehouse.com.au Armadale House grants you permission to do the following with material, unless otherwise indicated: Store a reproduction of material on your local computer for the sole purpose of viewing the material; Print hard copies of material for informational, non-commercial use; Reproduce or distribute any complete page of the material so long as you do not reproduce or distribute less than a complete page, or, where a document consists of more than one page, less than the complete document. This copyright notice appears in its entirety in each copy made or distributed, and the material is appropriately attributed to Armadale House. The copyright owner reserves all other rights. Links to other Sites: Material may contain links to other sites. Armadale House does not necessarily sponsor, endorse, or approve of any material on such sites. Armadale House makes no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of any material on other web sites to which material is linked. Copyright in other material: Armadale House makes no warranties or representations that material on other web sites to which material is linked does not infringe the intellectual property rights of any person anywhere in the world. Armadale House is not, and must not be taken to be, authorising infringement of any intellectual property rights contained in material on other sites by linking material to such material on other sites. NOTE: It is important as a consumer when obtaining professional advice to know and understand whom the person or company is this is to provide such advice. It therefore follows that this person or entity will be responsible for such advice.

Armadale House Privacy Statement Armadale House regards Privacy as a serious issue and understands that it is important for you to know how we deal with your personal information. From 21 December 2001 new Privacy Laws apply to how we collect, hold, use and disclose your personal information. Our Privacy Policy has been published to provide you with a clear and concise outline of the type of personal and sensitive information that we collect and keep on record, to inform you of our policy in relation to how we collect, hold, use and disclose your personal information and to inform you of your privacy rights. Armadale House collects and holds personal and sensitive information for the purposes of establishing and building a financial services relationship with you. The personal information we collect can include information that identifies you, such as your name, address contact details and any other identification information provided by you, or people nominated by you. It may also comprise details in regard to your health. Personal Information about you is generally collected from you, unless you have consented to us obtaining information from a third party. However, there may be circumstances were it is not practical or reasonable for us to do so. For example if you are nominated as a beneficiary of a life or Superannuation policy. Where we collect information from you about another individual, such as your nominated beneficiary. The information we collect is used to provide you with appropriate financial information and services specific to your circumstances and needs; to enable us to provide you with investment or generic financial information which may be of interest or value to you; to enable us to adequately assess the suitability of applicants to act as Authorised Representatives of Deakin and provide ongoing support and services. Generally, your consent is obtained before we disclose your personal information to a third party. Your consent can be in writing, by telephone, or implied by your conduct. In some circumstances however we may be required by Law to disclose your personal information. We may need to disclose your personal information to Investment Managers, Insurance Companies or other Financial Institutions; a third party acting on your behalf such as your nominated financial adviser; external services providers that provide services to us, or our representatives such as mailing houses, software suppliers and stationers. When you visit our web site we may collect information of a statistical nature such as the pages you viewed or time online. This information is collected using cookies. Cookies do not identify individual users although they do identify a user's browser type and Internet Service Provider. You can configure your browser to accept all cookies, reject or notify when a cookie is sent. Please refer to your browser instructions for more details. We try to ensure that your personal information is accurate, complete and up-to-date. To assist us with this please keep us advised of any of your personal details which may have altered. If we disagree as to the accuracy of the requested correction we will make an appropriate notation in your records that you claim the information we hold is not accurate, complete or up-to-date. We take all reasonable administrative, technical, and physical safeguards to protect your personal information from misuse, loss, unauthorised access, alteration or disclosure. Secure methods are used to destroy or de-identify any personal information, provided the information is no longer needed for any purpose and it is permissible by the law to do so. You can request us at any time to provide you with access to the personal information we hold about you. Under some circumstances we may not be required to provide access to you and in such cases a written explanation will be given to you. Access to your information will be provided on receipt of an Application for Access and will generally be processed within 14 days. More time may be required for more complex requests. An Application for Access can be obtained by contacting our Privacy Officer on 9804 3811. There is no fee for requesting access to your information, however we may charge you the reasonable costs of processing your request. We acknowledge and respect your right to choose to opt-out of receiving information about products and services supplied by us, or by others, which we think may be of interest to you. Should you decide not to receive marketing or promotional material from us you can opt-out at any time by advising us in writing or contacting us by telephone. Many of the product and services providers you may deal with through your relationship with Armadale House Pty Ltd will also have Privacy Policies concerning the manner in which they collect, hold, use or disclose personal information. These Policies can generally be accessed view the provider's web site or will be made available to you upon request to them. Armadale House may make changes to our Privacy Policy from time to time. We will publish those changes on our web site. This Privacy Policy was last amended on 01 November 2003. If you would like further information regarding our Privacy Policy, or if you think we have breached any aspect of this Privacy Statement, please contact us by email or by telephone on 03 9500 0500 between 8.30am and 5.00pm Monday to Friday or by writing to: The privacy officer Armadale House Pty Ltd Suite 5, 39A Glenferrie Road MALVERN VIC 3144 Disclaimer / Privacy Policy Armadale House 2004-12-02 This site created by Web Design