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		The information contained in this website is of a general nature, and is intended to be used for information purposes only. Upon accessing, viewing or downloading information from the website, you agree to be bound by these terms and conditions. Crédit Agricole Asset Management (“CAAM”) may, at its sole discretion, amend or modify these terms and conditions without notice. Any subsequent access to, or use of, the website by you will constitute an acceptance of those amendments. Investment involves risk. Performance figures quoted on the website are past performances. Past performance is not an indicator of future performance. Neither CAAM nor its directors or employees or any associate guarantee or make any representation as to the performance of the products, the maintenance or repayment of capital, the price at which Units may be traded, or any particular rate of return. The funds identified and referred to in this website are funds in respect of which Equity Trustees Limited (ABN 46 004 031 298 AFSL 240975) is the issuer in its capacity as the responsible entity of those funds (“Funds”). Crédit Agricole Asset Management Australia Limited (ABN 85 128 652 442 AFSL 325953) is the investment manager of the Funds. Due to legal restrictions, access to an electronic copy of the product disclosure statements in relation to the Funds is restricted to residents of Australia and New Zealand and offers of units in the Funds are available only to persons who qualify as “wholesale clients” in Australia (as defined under the Corporations Act 2001 (Commonwealth of Australia) or persons who are not regarded as “members of the public” in New Zealand (as defined in the Securities Act 1978 (NZ)). Accordingly, no other person should rely or act on any material contained in this website. The invitation to Australian and New Zealand investors to apply for units in the Funds is made in, or is accompanied by, the relevant product disclosure statement. The product disclosure statements do not constitute an offer or invitation to apply for units in any jurisdiction in which, or to any person to whom, it would not be lawful to make the offer or invitation. No action has been taken to register or qualify the units or the offers or to otherwise permit a public offering of units in any jurisdiction outside Australia or New Zealand. The information on this website is believed to be accurate at the time of compilation and is provided by CAAM in good faith. However, the use of this website is at your sole risk. Neither CAAM, nor the directors and officers of CAAM, nor the trustee or responsible entity of any Fund, makes any representation or warranty as to the quality, accuracy, reliability, timeliness or completeness of material in the site or material in websites linked to this website, or guarantees the security of this website. This information is not intended for distribution to, or use by, any person or entity in any country or jurisdiction where to do so would be contrary to law or regulation or which would subject CAAM or its affiliates to any registration requirements within these restrictions, such as US persons, are not permitted access to information contained herein. This website may contain information, articles and material that are written and prepared by people who are not employees or representatives of CAAM. Such material is provided for your interest and convenience only. The material will be clearly identified as the product of an independent third party, and may be subject to additional terms and conditions specified by the relevant third party. CAAM has not verified such information, articles or materials and is not responsible for the contents or accuracy of this material, and the opinions expressed in that material should not be taken as recommendations or opinions of CAAM. Nothing contained on this website or in the product disclosure statements constitutes investment, legal, business, tax or other advice. In particular, the information on this website and in the product disclosure statements do not take into account your investment objectives, financial situation or particular needs. Before making an investment decision you should read the product disclosure statements. You must then rely on your own examination of the Funds and terms of the offers, including the merits and risks involved. You should consult your professional adviser for legal, financial or tax advice. CAAM may as a result of your access to this website hold and process personal information obtained about you. However, CAAM is committed to maintaining the privacy of any personal data it holds about you, and does so in accordance with the National Privacy Principles contained in the Privacy Act 1998. Please read the CAAM Privacy Policy understand how your personal information will be treated when you use this website. CAAM owns the copyright in the website. You may print a copy of any page for personal or non-commercial purposes provided that you do not remove any copyright notices or any CAAM trademarks or logos. Except for a purpose or a use permitted by statute, or the prior written consent of CAAM you must not copy, modify, sell, distribute, adapt, publish, frame, reproduce or otherwise use any of the material or CAAM trademarks or logos on the website. These terms and conditions are governed by and are to be construed in accordance with the laws of New South Wales, Australia. You agree to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with these terms and conditions or this website. I accept the above-mentioned terms and conditions.