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Sandhurst Trustees Limited (‘STL’) 18 View Street Bendigo Vic 3550 ABN 16 004 030 737 AFSL 237906 RSE Licence No. L0000154 is a subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. The products listed are issued by STL (except for the Bendigo Funeral Bond and Margin Lending - see "Investments"). The Bendigo Funeral Bond is an investment product issued by Australian Friendly Society Limited ABN 29 087 648 851 AFSL 247028. As the information on the website has been prepared without taking into account your objectives, financial situation or needs (‘personal circumstances’), before acting on the information, you should consider its appropriateness, having regard to your personal circumstances. A Product Disclosure Statement (‘PDS’) or Disclosure Document (‘DD’) for each of these products (other than any credit facility) is available online at www.sandhursttrustees.com.au or from your nearest Bendigo Bank branch. Margin lending does not have a PDS, but information about the product and application forms are available online at www.bendigobank.com.au or from your nearest Bendigo Bank branch. You should consider the relevant PDS or DD in deciding whether to acquire or continue to hold an interest in these products. STL’s remuneration for the issue of these products is set out in the relevant PDS or DD. You should also obtain a Financial Services Guide and consider it before making a decision to acquire or continue to hold any of these products.

STL shall not be responsible for the content of any other site accessed via the STL site. That information is the responsibility of the site owner and STL has no control over it. Links to other sites are provided for convenience only and do not represent any endorsement by STL of the products offered by the site owner.