This analytics platform has been prepared by Perpetual Roundtables Pty Limited ACN 158 636 821 ("Perpetual") and is provided to you subject to any agreement entered into by you relating to services provided by Perpetual.

All information contained in this analytics platform that has been prepared by Perpetual (including this notice) ("Information") is confidential. By receiving or accessing the Information, you are deemed to agree that you will hold the Information in strict confidence and keep it secret, and not reproduce, disclose or distribute the Information to any third party or publish the Information for any purpose except as expressly permitted under the terms of subscription arrangements entered into, including compliance with the Risk and Collections Managers’ Roundtable Australia - New Zealand 2013 Charter, a copy of which is available at https://rmrt.com.au/roundtables_charter.html.

The obligations imposed upon you by these terms and conditions of use are in addition to the obligations imposed upon you under any non-disclosure agreement or other agreement entered into by you relating to the Information. You agree not to modify or alter the Information in any way. If you are not the intended recipient of any of the Information, you must not use or disclose that Information in any way. If you received the Information in error, please tell us immediately by e-mail to roundtables@perpetual.com.au. Perpetual does not guarantee the integrity of any e-mails or attached files and are not responsible for any changes made to them by any other person.

The Information shall not form the basis of any contract or commitment. No action should be taken on the basis of, or in reliance on, this analytics platform.

Except as required by law, no representation or warranty, express or implied, is made as to the fairness, accuracy, completeness or correctness of the Information, opinions and conclusions, or as to the reasonableness of any assumption contained in this analytics platform. By using this analytics platform and to the extent permitted by law, you release Perpetual and its related bodies corporate and each of their officers, employees, agents and associates from any liability (including, without limitation, in respect of direct, indirect or consequential loss or damage or loss or damage arising by negligence) arising as a result of the reliance by you or any other person on anything contained in or omitted from this analytics platform.

Any forward looking statements included in this analytics platform involve subjective judgment and analysis and are subject to significant uncertainties, risks and contingencies, many of which are outside the control of, and are unknown to, Perpetual or its related bodies corporate or any of their officers, employees, agents or associates. Actual future events may vary materially from any forward looking statements and the assumptions on which those statements are based. Given these uncertainties, you are cautioned to not place undue reliance on any such forward looking statements.

Unless otherwise specified in any agreement to which the Information relates, no responsibility is accepted by Perpetual or its related bodies corporate or any of their officers, employees, agents or associates, nor any other person, for any of the Information or for any action taken by you on the basis of the Information.

Perpetual is not licenced to, has not and does not provide any financial advice or deal with any financial products or securities in the process of assisting in the compilation of the Information. The Information does not constitute investment, legal, taxation, financial product or other advice and the analytics platform does not take into account your investment objectives, financial situation or particular needs. You are responsible for forming your own opinions and conclusions on such matters and should make your own independent assessment of the information and seek independent professional advice in relation to the Information and any action taken on the basis of the Information. Perpetual does not make, adopt or endorse any recommendation in this analytics platform.

Unless otherwise specified in any agreement entered into by you to which this analytics platform or the Information relates, the "Intellectual Property Rights" (meaning any and all patents, rights in inventions, trade marks, service marks, copyrights and related rights, database rights, moral rights, rights in designs, know-how and all or any other intellectual or industrial property rights whether or not registered or capable of registration in any part of the world together with all or any goodwill relating to them) in this analytics platform and those created by the creation of this analytics platform and any services to which this analytics platform relates, shall belong to Perpetual.