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Disclosure Statement: Encounter Financial Services Pty Ltd ACN 150 889 857 trading as Encounter Group as trustee for EFS Unit Trust ABN 62 018 732 449 is an Authorised Representative and Credit Representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 Australian Financial Services Licencee 232706 and Australian Credit Licencee 232706 General Advice Warning: This communication contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. It is a requirement of our licensee to provide up to date versions of these documents: Encounter Group Financial Services & Credit Guide, Financial Services Privacy Policy, and Financial Services Terms & Conditions.