Disclaimers

Units in C2 Retirement Equity Optimiser Units are issued by C2 Specialist Investments Pty Ltd (ACN 622 433 032) (“the Issuer”) and arranged by C2 Financial Services Pty Ltd (AFSL: 502171. ACN 621 428 635) ("the Arranger") pursuant to Section 911A(2)(b) of the Corporations Act.  Investments in the C2 Retirement Equity Optimiser Units can only be made by completing an Application Form attached to the Term Sheet Product Disclosure Statement (“Term Sheet PDS”) and, after reading the Term Sheet PDS dated 1 May 2025, the C2 Equity Optimiser Master PDS (the “Master PDS”) dated 30 April 2025, any supplementary PDS  (together, the “PDS”) and the Target Market Determination dated 1 May 2025 submitting it to the Issuer.  A copy of the PDS(s) can be obtained by contacting C2 Specialist Investments on 02 8098 0300, visiting https://c2financialgroup.com.au/investments/optimiser or contacting your financial adviser. The Issuer may, in its discretion, extend, shorten or cancel the Initial Offer Period for a Series of Units without prior notice. If this happens, the Commencement Date and one or more consequential dates for the Units may vary. The Issuer may also defer the Commencement Date for the Units, in which case the Maturity Dates and other consequential dates for the Units may vary. If the Issuer varies the Offer Period or the Commencement Date for the Units, it will post a notice on its website and will advise Investors in the Confirmation Notice. Capitalised terms in this flyer have the meaning given to them in Section 10 “Definitions” of the Master PDS or in the Term Sheet PDS. This flyer has been prepared by the Issuer for general promotional purposes only and is not an offer to sell or solicitation to buy any financial products. This flyer does not constitute personal advice and has been prepared without taking into account your objectives, financial situation or needs. You should consider obtaining professional advice as to whether this financial product suits your objectives, financial situation or needs before investing. You should seek independent advice in relation to the tax implications of your investment.

Taxation

Australian Taxation Office Product Ruling PR 2024/17 has been issued in relation to the PDS and confirms certain aspects of the tax treatment of an investment under the PDS.  A copy is included in the Master PDS dated 30 April 2025. The product ruling is only a ruling on the application of taxation law, and is only binding on the Australian Taxation Office if the scheme is implemented in the specific manner outlined in the product ruling.

The Commissioner of Taxation (Commissioner) does not sanction, endorse or guarantee this product. Further, the Commissioner gives no assurance that the product is commercially viable, that charges are reasonable, appropriate or represent industry norms, or that projected returns will be achieved or are reasonably based. Potential participants must form their own view about the commercial and financial viability of the product. The Commissioner recommends you consult an independent financial (or other) adviser for such information. Please refer to Section 4 "Taxation" of the Master PDS.

Reference Asset Disclaimer

C2 Retirement Equity Optimiser Units are not sponsored, endorsed, sold or promoted by any of the BNP Paribas group of companies (“BNP Paribas”), nor does BNP Paribas have any association or relationship with the Issuer or the Units. BNP Paribas makes no representation regarding the advisability of investing in the Units. BNP Paribas gives no express or implied warranties, including, but not limited to, any warranties of merchantability or fitness for a particular purpose or use. The Units are issued by the Issuer and marketed by third party dealer groups, they are not sponsored, endorsed, issued, distributed, sold, marketed or promoted by BNP Paribas in any way. BNP Paribas has no obligations or liabilities whatsoever in connection with the Units.