DISCLOSURE AND DISCLAIMER

All Investors: Prowealth Corporation Pty Ltd ABN 20 126 015 594 ("The Company") is incorporated in Australia with limited liability. The Company and its subsidiaries, including Prowealth Money ABN 98 125 416 971 ("Prowealth Money"), and Java Enterprises Pty Ltd ABN 22 075 592 326, are related entities of the Prowealth Corporation Group of Companies (PWCGOC). PWCGOC and their directors, employees, franchisees and representatives are referred to in this Appendix as “the Group”. This document is published solely for informational purposes and is not to be construed as a solicitation or an offer to buy any property, securities or financial instruments. This report has been prepared without taking account of the objectives, financial situation and capacity to bear loss, knowledge, experience or needs of any specific person who may receive this report. No member of the Group does, or is required to, assess the appropriateness or suitability of the report for recipients who therefore do not benefit from any regulatory protections in this regard. All recipients should, before acting on the information in this report, consider the appropriateness and suitability of the information, having regard to their own objectives, financial situation and needs, and, if necessary seek the appropriate professional, or financial advice regarding the content of this report. We believe that the information in this report is correct and any opinions, conclusions or recommendations are reasonably held or made, based on the information available at the time of its compilation, but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made in this report. Any opinions, conclusions or recommendations set forth in this report are subject to change without notice and may differ or be contrary to the opinions, conclusions or recommendations expressed elsewhere by the Group. We are under no obligation to, and do not, update or keep current the information contained in this report. The Group does not accept any liability for any loss or damage arising out of the use of all or any part of this report. Any valuations, projections and forecasts contained in this report are based on a number of assumptions and estimates and are subject to contingencies and uncertainties. Different assumptions and estimates could result in materially different results. The Group does not represent or warrant that any of these valuations, projections or forecasts, or any of the underlying assumptions or estimates, will be met. Past performance is not a reliable indicator of future performance. This report is not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would subject any entity within the Group to any registration or licensing requirement within such jurisdiction. All material presented in this report, unless specifically indicated otherwise, is under copyright to the Group. None of the material, nor its content, nor any copy of it, may be altered in any way, transmitted to, copied or distributed to any other party, without the prior written permission of the appropriate entity within the Group. In the case of certain products, the Company or one of its related bodies corporate is or may be the only supplier. Each Franchise office is independently owned and operated. Additional Disclaimer for Self-Managed Super Funds (“SMSF”) - The PWCGOC does not hold an Australian Financial Services Licence (AFSL); we have not compared a Self Managed Super Fund with other superannuation structures, which are considered to be financial products. You should consider taking advice from the holder of an AFSL before making a decision about your Superannuation. In the event you decide to purchase a property with a SMSF, the Group assumes you have made that decision in your own right with no influence from the Group. Consultant Certification: Each consultant, primarily responsible for the content of this report, in whole or in part, certifies that with respect to each subject that the Consultant covered in this report: (1) all of the views expressed accurately reflect his or her personal views about those subjects; and (2) no part of his or her compensation was, is, or will be, directly or indirectly, related to the specific recommendations or views expressed by that consultant in the report. The consultant(s) responsible for the preparation of this report may interact with fellow staff other companies, related or not, for the purpose of gathering, synthesizing, and interpreting market information. The compensation of the consultant who prepared this report is determined exclusively by senior management. No inducement has been or will be received by the Group from the subject of this report or its associates to undertake the research or make the recommendations. The consultant responsible for this report receives a salary and a bonus/commission that is dependent on a number of factors including their performance and the overall financial performance of the Group, derived from property sales and finance written. Related entities of the Prowealth Corporation Group of Companies may receive bonus or commission from other entities within the Group and/or unrelated companies and parties outside the Group. No part of this information may be reproduced by any process without written permission of Prowealth Corporation Pty Ltd. © 2008 Prowealth Corporation Pty Ltd. All rights reserved.

SMSF Loan Product Disclaimer

Please note that the information attached is purely factual in nature and does not take account of your personal objectives, situation or needs. The information is objectively ascertained and therefore, does not constitute financial product advice.

Because we do not hold an Australian Financial Services Licence (AFSL), we have not compared a SMSF with other superannuation structures, which are considered to be financial products. You should consider taking advice from the holder of an AFSL before making a decision about your superannuation.

You should make and rely upon your own inquiries in order to determine whether or not a SMSF and this information is, in fact, accurate and suitable for your specific circumstances.

No Representations

To the extent permitted by law, Prowealth disclaims all representations and warranties express or implied and makes no warranty that this Web Site will meet your requirements or that it will be uninterrupted, timely, secure or error-free.

Third Party Sites

This Web Site includes links to third party sites. Prowealth is not responsible for the condition or content of those sites. Links are provided for convenience only and no endorsement of any of the products or services on those sites or the organizations promoting them are endorsed by Prowealth. You access those sites and use the products and services listed therein solely at your own risk.

Trademarks

Certain trademarks are included on this site and are owned either by Prowealth or Java Enterprises Pty Ltd or its related Bodies Corporate. Any use of such trademarks shall only be with the prior written consent of the relevant owner of each trademark.

Copyright

The copyright of the content data (including the underlying HTML files and data base records) of this Web Site is owned by Prowealth. Apart from any fair dealing for the purposes of private study, research, criticism or review as permitted under the Copyright Act no part of this Web Site may be reproduced or copied in any form or by any means or process without express written permission. Enquiries should be addressed to administration.

Exclusive Listings

All properties contained on our website have been listed exclusively by Java Enterprises Pty Ltd unless otherwise stated. We exercise our rights under the Property Stock and Business Agents Act 2003 to pursue action against any persons or corporations who attempt to solicit vendors or properties contained herein without the vendors or our express written permission.