Responsible Investment Association Australasia Certification

The Certification Symbol signifies that Richard Whan of Lighthouse Investment Services and Meritum Financial Group offers responsible investment products; has undertaken continuing professional development on responsible investment; and conducts inquiries regarding client concerns about environmental, social, governance or ethical issues. The Symbol also signifies that Richard Whan has adopted strict disclosure practices required under the responsible Investment Certification Program for the category of Financial Adviser. The Certification Symbol is a Registered Trade Mark of the Responsible Investment Association Australasia (RIAA). Detailed information about RIAA, the Symbol and Richard Whan can be found at www.responsibleinvestment.org, together with details about other responsible investment products and services certified by RIAA. (1)

(1) The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence.