Earlypay

IAM Group offers general financial product advice only. As a result, any information or advice, has been provided without taking account of your objectives, financial situation and needs. Because of this, you should, before acting on any advice from IAM consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. If the information or any advice, relates to the acquisition, or possible acquisition, of a particular financial product, you should obtain and consider the product disclosure statement or documents relating to the product before making any decision about whether to acquire the product. Neither IAM Group, nor any of its directors, authorised representatives, employees, or agents, makes any representation or warranty as to the reliability, accuracy, or completeness, of any information or advice. Nor do they accept any liability or responsibility arising in any way (including negligence) for errors in, or omissions from, any information or advice. IAM Group, its staff and related parties earn fees and revenue from dealing in the securities as principal or otherwise and may have an interest in any securities mentioned. Any reference to credit ratings of companies, entities or financial products must only be relied upon by a ‘wholesale client’ as that term is defined in section 761G of the Corporations Act 2001 (Cth). IAM Group does not provide tax advice and is not a registered tax agent or tax (financial) advisor, nor are any of the IAM Group staff or authorised representatives. IAM Group does not make a market in the securities or products that may be mentioned.

^An investment in notes or corporate bonds should not be compared to a bank deposit. Notes and corporate bonds have a greater risk of loss of some or all of an investor’s capital when compared to bank deposits. Past performance of any product is not a reliable indication of future performance. Any forecasts are predictive in character and based on specified assumptions generally available at the time and no reliance should be placed on the accuracy of any forecast information. The actual results may differ substantially from the forecasts and are subject to change without further notice. IAM may quote to you an estimated yield when you purchase a bond. This yield may be calculated by IAM on either A) a yield to maturity date basis; or B) a yield to early redemption date basis. Some bond issuances include multiple early redemption dates and prices, therefore the realised yield earned by you on the bond may differ from the yield estimated or quoted by IAM at the time of your purchase.