The information contained herein is of a general nature only and is not intended to be used as a substitute for professional advice. It may not fully cover your circumstances or particular needs and therefore you may need to seek the assistance of a professional adviser before making any decision.

It is current as at April 2005 and any future amendments to the legislation could impact on your obligations.

Any advice in this document is provided by FuturePlus Financial Services Pty Limited as an Australian Financial Services Licensee (AFSL 238445) on behalf of the trustee of the Local Government Superannuation Scheme, LGSS Pty Limited (ABN 68 078 003 497).

FuturePlus Financial Services Pty Limited does not take responsibility for the accuracy or completeness of any material contained in this brochure and disclaims liability to any person who relies upon anything done or omitted to be done by this publication.