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DISCLAIMER The information and strategies contained in this newsletter are based on our interpretation of relevant superannuation, social security and taxation laws at 28^th October 2008. Because these laws change frequently you should obtain professional advice that is specific and relevant to your own personal financial circumstances, needs and objectives before considering implementing any strategies. The information contained within this newsletter is for general advice only. It has not been prepared taking into account your specific situation, objectives or needs. You should consider how the advice is appropriate to your own situation before making any investment decision.

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