WARNING: The information in this Investment Memorandum is considered additional product information and is neither a recommendation or investment research. The information in this Investment Memorandum does not replace the Key Information Document and the Base Prospectus which you are required to read. It does not purport to be financial advice and does not consider the investment objectives, knowledge and experience or financial situation of any particular person. There is no guarantee that a financial or investment plan will meet its objectives. You should speak to your adviser, in the context of your own personal circumstances, prior to making any financial or investment decision.