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Disclaimer  PSK  Financial  Services  Group  Pty  Ltd  (ABN  24  134  987  205),  corporate   FURTHER INFORMATION
            authorised representative (CAR), number 340647, trading as PSK Financial Services
            Group Pty Ltd, is authorised to provide financial services on behalf of Charter Financial   Jo O’Brien, Corporate Consultant
            Planning Limited (Charter Financial Planning, ABN: 35 002 976 294, AFS Licence No.
            234665). Charter Financial Planning is a member of the AMP Group. Charter Financial   PSK Financial Services
            Planning is a Professional Partner of the Financial Planning Association (FPA) is fully   02 9324 8847 | 0407 529093| jo.obrien@psk.com.au
            committed to the FPA’s Code of Ethics and Rules of Professional Conduct. Charter
            Financial Planning is also a Corporate Member of the Association of Financial Advisers
            (AFA). This booklet contains information that is general in nature. It does not take into   Authorised Representative No. 1265959
            account the objectives, financial situation or needs of any particular person. Permission
            must be obtained before reproducing material produced by other organisations or   Charter Financial Planning
            authors. You need to consider your financial situation and needs before making any
            decisions based on this information. Charter Financial Planning and its Authorised
            Representatives do not accept any liability for any errors or omissions of information
            supplied in this document.
            Please  refer  to  OnePath  Life  Group  Life  Insurance  Product  Disclosure
            Statement  and  Policy  Terms  (PDS  and  Policy)  for  a  complete  description  of  the
            policy  terms  and  conditions.  The  PDS  and  Policy  contains  the  full  terms  and
            conditions  of  OnePath  Life's  Group  Life  Insurance.  A  copy  of  the  PDS  and  Policy
            is  available  free  of  charge  from  onepath.com.au  or  by  calling  1800  648  921.
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