The Lonsec Limited ("Lonsec") ABN 56 061 751 102 rating assigned August 2008 presented in this document is limited to "General Advice" and based solely on consideration of the investment merits of the financial products. It is not a recommendation to purchase, sell or hold the relevant products, and you should seek independent financial advice before investing in these products. The rating is subject to change without notice and Lonsec assumes no obligation to update this document following publication. Lonsec receives a fee from the fund manager for rating the products using comprehensive and objective criteria.