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Disclosure Statement: Callaghans Financial Services Pty Ltd, ABN 97 131 317 363, trading as Callaghans Financial Services, is an Authorised Representative of Count Financial ABN 19001 974 625 Australian Financial Services Licence No 227232. Lending service are authorised by Finconnect (Australia) Pty Ltd, ABN 45 122 896 477 Australian Credit Licence 385888, a wholly owned subsidiary of Count Financial Limited ABN 19 001 974 625 (‘Count’). Count is a wholly owned, nonguaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. General Advice Warning: This communication contains general information only. It does not take into account your objectives, financial situation, circumstances or needs. As such, please consider the suitability of the information to your personal situation.