Terms and Conditions of Use / Disclaimer.

By accessing this website (“Cor Capital Website”) you agree to be legally
bound by these terms and Conditions of use / disclaimer (“Terms of Use”).

Your access, use of the information, layout, graphics and materials on this
website (“information on this website”) is governed by the Cor Capital Pty Ltd
Terms of Use and Privacy Statement (collectively referred to as “Terms of Use”).

If you do not agree to these Terms of Use, do not proceed to further web pages of
the Cor Capital Website.

These Terms of Use as well as the information and materials contained in the Cor
Capital Website are subject to change from time to time without notice.

Copyright

The information contained in this website is the copyright of Cor Capital. You
may only print any of our pages for your records provided that the copyright
notices and Cor Capital identifiers (i.e. trademarks or logos) are not removed.

Any other use or any reproduction of the information on this website requires
the prior written consent of Cor Capital.

Australian Residents

The products and services referred to on this website are only available in
Australia to Australian residents unless otherwise expressly stated.

No Financial Advice

This website contains general information which may not be complete or
accurate for your purposes and should not solely be relied upon as such. In
preparing the information contained on this website, Cor Capital Pty Ltd (“Cor
Capital”) has not taken into account your investment objectives, financial
situation or particular needs. Before acting or investing on the basis of the
information contained on this website, please consider whether the information
in this website is appropriate to you in light of your particular objectives,
financial situation and needs.

The information on this website is provided in good faith and has been derived
from sources believed to be accurate and reliable. Cor Capital makes reasonable
effort to ensure that information is free from error however Cor Capital does
not, at any time, warrant or guarantee the accuracy, adequacy, timeliness
or completeness of the information on this website. No representation or
guarantee is made regarding the future performance or success of, the rate of
income or capital return from, any product or service referred to in this website.

No Offer

The information contained in the Cor Capital Website is just for informational
purposes. No information published on the Cor Capital Website constitutes
a solicitation, an offer, or a recommendation to buy or sell any investment
instruments, to effect any transactions, or to conclude any legal act of any kind
whatsoever.

Cor Capital does not intend to provide investment, legal or tax advice through
the Cor Capital Website and does not represent that any securities or services
discussed are suitable for any investor.

When making a decision about your investments, you should seek the advice of a
professional financial advisor.

No Warranty

The information and materials contained on the Cor Capital Website are
provided “as is” and “as available”. Cor Capital makes no representations or
warranties of any kind, either express or implied, with respect to the information
and functionality contained in the Cor Capital Website, including but not
limited to warranties of title, non-infringement, merchantability or fitness
for a particular purpose. Without limiting the foregoing, Cor Capital does not
warrant the accuracy, timeliness, completeness, reliability or availability of the
Cor Capital Website or the information or results obtained from use of the Cor
Capital Website, or that the Cor Capital Website is virus-free or error-free.

No Liability

To the fullest extent permitted by law, in no event shall Cor Capital or any of its
directors, employees or agents have any liability whatsoever to any person for
any direct or indirect loss, liability, cost, claim, expense or damage of any kind,
whether in contract or in tort, including negligence, or otherwise, arising out of
or related to the use of all or part of these web pages, even if Cor Capital has been
advised of the possibility of the same.

Links

The Cor Capital Website may contain third party content or links to third party
websites. These content and links are provided solely for your convenience and
information. Cor Capital has no control over, does not assume any responsibility
for and does not make any warranties or representations as to, any third party
content or websites, including but not limited to, the accuracy, subject matter,
quality or timeliness. Cor Capital shall have no liability for third party content or
websites or websites linking to or framing the Cor Capital Website.

Electronic Communication (Email)

The Internet is a universally accessible medium. Ordinary email messages sent
over the Internet are neither confidential nor secure. They may be viewed by
third parties, lost, intercepted or altered. Emails may circulate across national
borders, even if both sender and recipient are located in the same country.

In no event should you use ordinary email to transmit personal or confidential
information such as any account related data.

Unless explicitly stated otherwise, Cor Capital does not accept any instructions
sent by email or any other electronic messaging system.

Cor Capital shall not be liable to you or anybody else for any damages incurred
in connection with any messages sent to Cor Capital using ordinary email or any
other electronic messaging system.

Severability Clause

To the extent that any provision of these Terms of Use is found by any competent
court or authority to be invalid, unlawful or unenforceable in any jurisdiction,
that provision shall be deemed not to be part of this disclaimer but such finding
shall not affect the validity, lawfulness or enforceability of the remainder of these
Terms of Use in that jurisdiction, nor shall it affect the validity, lawfulness or
enforceability of these Terms of Use in any other jurisdiction.

Conflict with Additional Terms

Certain web pages or areas on the Cor Capital Website may contain additional
terms, conditions, disclosures and disclaimers (together “Additional Terms”). In
the event of a conflict between these Terms of Use and the Additional Terms, the
Additional Terms will govern for those web pages or areas.

Use and Disclosure of Information

You acknowledge and agree the collection, disclosure and/or use of information
about you through your access of this website. We will only use or disclose this
information in accordance with the Cor Capital Privacy Statement.

Governing Law

These Terms of Use are governed by the laws of the state of Victoria and each
party submits to the non-exclusive jurisdiction of the courts of that state.

Privacy Statement.

Cor Capital Pty Ltd appreciates your visit to this website (“Cor Capital Website”)
and your interest in our services and products. Your privacy is important to us
and we want you to feel comfortable visiting our site. We take care to protect
your personal data collected, processed and used during visits to the Cor Capital
Website.

By accessing the Cor Capital Website you accept this Privacy Statement
(“Statement”).

If you do not agree to this Statement, do not proceed to further web pages of the
Cor Capital Website.

This Statement may be updated from time to time. We therefore ask you to
consult it on a regular basis. The last line of this Statement indicates when the
Statement was last updated.

What are the purpose and the scope of this Statement?

Cor Capital Pty Ltd (“Cor Capital” or “We”) is committed to safeguarding the
personal information that we collect from individuals who use the Cor Capital
Website. Accordingly, Cor Capital has developed this Statement to describe what
type of data and how it will be collected from users of the Cor Capital Website
and the purposes for which Cor Capital may collect, share or disclose the data.
Cor Capital also outlines reasonable precautions, which are taken to keep your
data secure.

This Statement applies to any information obtained by Cor Capital through your
use of the Cor Capital Website. It is not applicable to any Internet websites
controlled by third parties not affiliated with Cor Capital that the Cor Capital
Website may link to (“Third Party Sites”).

Third Party Sites are not subject to our privacy standards, policies and
procedures. Please review the privacy statements of Third Party Sites as Cor
Capital is not responsible for and has no influence on the content or the privacy
practices of Third Party Sites.

Cor Capital, its directors, officers, employees or agents are in no way or form
liable for any personal information which you provide within a Third Party Site.

Additional Terms

The terms of this Statement are subject to any additional terms, disclaimers
or other contractual terms you have entered into with Cor Capital and any
applicable mandatory laws and regulations.

What information do we collect from you and for what
purpose?

When you visit the Cor Capital Website, our web server automatically records
your IP address, the website from which you visit us, the type of browser
software used, the web pages you actually visit including date and duration.
Cor Capital will use your personal data only for the purposes of technical
administration and research & development of the Cor Capital Website.

How do we collect and store information from you?

Cor Capital uses tracking technology such as cookies or tags to gather such
information as outlined above (see: “What information do we collect from you
and for what purpose?”) and to understand how visitors use the Cor Capital
Website. Tracking technology helps us manage and improve the usability of the
Cor Capital Website, for example, by determining whether there has been any
contact between your computer and us in the past and identify the most popular
sections of the Cor Capital Website.

Please ensure that your computer setting reflects whether you accept cookies
and other tracking technologies or have disabled or deactivated them. You can
set your browser to warn you before accepting such tracking technology, or you
can also set it to refuse such devices. The specific instructions can be found in
the manual of your browser. Disabling or deactivating of devices may result in a
reduced availability of the services provided by the Cor Capital Website or parts
of the Cor Capital Website may no longer function correctly.

All electronic messages sent to and from Cor Capital are automatically retained
in a distinct journaling system, which preserves the evidential weight of the
emails. They are protected by adequate legal, technical and organisational
measures and may only be accessed in justified cases in line with applicable
laws and regulations (e.g. court order, suspicion of criminal conduct, violation
of regulatory obligations, material breach of employment contract) by specific
persons in defined functions (e.g. Legal, Compliance, Risk). Every step of the
process as well as the search criteria used, are logged in an audit trail. All emails
are disposed of after the applicable retention period has expired.

To whom do we disclose information gathered from the Cor Capital Website?

Cor Capital may disclose your information to its employees, agents and third
party providers to perform services for Cor Capital. Our employees, agents and
third party providers who have access to personal data obtained through the Cor
Capital Website are obliged to respect privacy.

We may also disclose your information to governmental agencies or entities,
regulatory authorities, or other persons in line with applicable rules, orders,
subpoenas, official requests, or similar processes as either required or permitted
by applicable law.

Which security measures have been implemented to protect information from you?

Cor Capital uses technical and organisational security measures in order to
reasonably protect personal data against unauthorised access, accidental or
intentional manipulation, loss and destruction.

However, none of the Cor Capital directors, officers, employees, representatives
or agents warrants or guarantees the security of your personal information.

What is to be considered when data is transferred over the Internet?

The Internet is generally not regarded as a secure environment and information
sent via the Internet can be accessed by unauthorised third parties, potentially
leading to disclosures, changes in content or technical failures. Even if both
sender and receiver are located in the same country, information sent via the
Internet may be transmitted across international borders and be forwarded
to a country with a lower data protection level than exists in your country of
residence.

Please note that we accept no responsibility or liability for the security of your
information whilst in transit over the Internet to Cor Capital.

Contacting Us

If you would like more information about this website or to request written
consent to use the information on this website, please contact us by one of the
methods below:

By mail: Level 19, 644 Chapel Street, South Yarra VIC 3141.
By email: contact@corcapital.com.au

Updated: August 2014.