Disclaimer

This Calculator has been developed by MLC Limited (ABN 90 000 000 402) ("MLC") as a tool to assist Authorised Representatives of an Australian Financial Services Licensee in the National Australia Bank group of companies to provide financial services to retail clients.

Its output is not, nor can it be interpreted in any way as, a substitute for a Statement of Advice or a Statement of Additional Advice tailored to the client's individual needs, objectives and financial situation.

You must not give the output from this Calculator to a retail client without preparing a Statement of Advice or a Statement of Additional Advice.

It is the Authorised Representative's responsibility to ensure that any data used in any calculation or any information conveyed by this Calculator (including the results of any calculation) is both correct and reasonable. The utility of the output of this Calculator is heavily dependent on the quality of the data and information that is entered.

MLC does not accept any responsibility for strategies adopted by any individual nor the manner in which the Calculator, its outputs (or any individual's personal details) are used by the Authorised Representative. Accordingly, reliance should not be placed by anyone on the Calculator as the basis for making any investment financial or other decision. In addition, as the calculations produced by the Calculator are for guidance only they may not reflect the actual amount payable by, or the tax details applicable, to any individual.

The Calculator is based on the interpretation of the relevant laws applicable as at 1 July 2011. Subsequent changes to the relevant laws may affect the accuracy of the Calculator.