Applications to invest in the Education Savings Plan must be made on the application form accompanying the current version of the Product Disclosure Statement. This information is available from any Lifeplan office, or online at www.lifeplan.com.au/educationsavings.

The information provided on this website is general in nature and only relates to Lifeplan products. It is not intended to be used as personal advice as it does not take into account your individual needs, specific investment objectives or financial situation. You should determine whether the information is appropriate for your own personal circumstances before taking any action and if you are unsure we recommend that you obtain independent professional advice.

Lifeplan understands the importance of protecting your privacy and are therefore committed to compliance with the Privacy Act 1988 and the National Privacy Principles. For further information go to our privacy page on this website.

Terms and Conditions of Use

You must read the following terms and conditions of this website in order to ensure you are fully informed.

By visiting and using the information at this website you agree to the following:

Australian Residents
The information in this website is for Australian residents only.

Virus & Security Warning
The internet and world wide web are unsecured, public networks. There is a risk that:

• information sent to or from this site may be intercepted, corrupted or modified by third parties; and
• files obtained from or through this site may contain computer viruses or other defects.

In using this website and material from it, you assume these risks and responsibility for any loss or damage caused, directly or indirectly, by these risks.

Disclaimer
The materials on this website have been prepared to provide general information only and may not necessarily be accurate or current. No person should act or fail to act on the basis of these materials.

This site may contain hypertext links, frames or other references to other parties and their websites. We cannot control the contents of those other sites, and make no warranty about the accuracy, currency or suitability of the material located on those sites. Those references are not an endorsement of those parties or their products or services.

To the maximum extent permitted by law, Lifeplan disclaims any liability to any person arising out of any action or failure to act by that person, in accessing, down loading, using or relying on any materials from this website.

Use of Disclosure Documents
Application for investment in the Education Savings Plan on this website may only be made on the application form accompanying the relevant current Product Disclosure Statement, which is available from any Lifeplan office or through the online application process.

Copyright
The material at this site is protected by copyright. Except as permitted below, you must not copy, modify, transmit or distribute the material at this site without Lifeplan's consent.
You may reproduce all or part of the material at this site only if:

• The reproduction is not for public or commercial purposes; and
• You do not remove or modify any notices of attribution or copyright.

Trade Marks
The Lifeplan logo is registered as a trade mark in Australia and must not be used by you or any other person except as part of an authorised reproduction of the material at this site. You must not modify, or permit the modification, of the Lifeplan logo in any way.

It is not intended to be used as personal advice as it does not take into account the specific investment objectives, financial situation or needs of any particular individual. You should determine whether the information is appropriate in light of your own personal circumstances before taking any action. If you are unsure, you should obtain independent professional advice.

Hotlinks
You may provide hypertext links to, or frame, this site in any other website, unless Lifeplan requests you to remove the link or framing.

Lifeplan Australia Friendly Society Limited ABN 78087649492 (Lifeplan).