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Important Information: The Ellice-Flint Employee Benefits website (www.efcs.com.au and www.effp.com.au) and Monthly Report are administered by Ellice-Flint Corporate Services, herein referred to as EFCS. EFCS makes no recommendation in respect of using any of the products listed on their website or in the Monthly Report. The information and representations on the website and in this Monthly Report do not constitute advice and are provided on behalf of the products issuers who warrant the truth and content of the information and representations made. EFCS is not authorised to provide advice or arrange for the issuance of any general insurance, credit or health insurance product. The website and Monthly Report contains links to external websites. Whilst such links are provided for your convenience, you should be aware that the information handling practices of the linked websites might not be the same as ours and do not constitute endorsement of material at those sites or any associated organisation, product or service. These external information sources are outside the control of EFCS. It is the responsibility of users to make their own decisions about the accuracy, currency, reliability and correctness of the information at those sites. By accessing information at or through the website each user waives and releases EFCS to the full extent permitted by law from any incident or consequential damages resulting from use of the material. EFCS may be entitled to a referral fee in the event that you purchase product from a linked external website. Ellice-Flint Corporate Services Pty Ltd & Ellice Flint Financial Planning Pty Ltd are corporate authorised representatives of E.F.D.B Pty Ltd, ABN 64 112 871 922, AFSL 311720. Please see www.effp.com.au for a copy of the E.F.D.B Pty Ltd Financial Services Guide.