Australian Listed Equities: Weekly Share Market Wrap

Total Shareholder Returns as at 22 January 2021 Price 1 week 1 month 6 months 1 year 2 years 3 years 5 years 10 years 10 years Ticker Stock Name $ % % % % % p.a. % p.a. % p.a. % p.a. ranking A2M 10.14 -0.69 -5.85 -48.00 -34.96 -7.34 8.04 43.35 - - ABC Adelaide Brighton 3.01 -3.22 -4.14 30.66 -18.65 -16.28 -19.04 -3.64 3.35 110 ABP Abacus Property Grp 2.76 1.10 1.61 7.35 -22.11 -3.25 -2.77 4.14 7.41 77 AFI Australian Foundat 7.53 0.80 5.91 25.33 8.22 13.48 9.12 8.90 7.09 82 AGL AGL Energy Limited 11.78 -1.83 -1.59 -27.96 -36.96 -18.28 -13.61 -1.75 3.44 109 AIA Auckland Internation 6.85 -2.14 -4.33 14.55 -20.72 0.65 6.75 7.71 16.79 31 ALD Limited 30.75 6.59 10.45 11.51 -10.48 10.47 -1.01 -0.06 10.61 59 ALL 31.25 4.52 2.02 17.59 -15.45 13.80 11.69 27.48 26.90 12 ALQ ALS Limited 10.60 5.26 9.73 38.95 9.54 24.16 15.10 26.75 5.85 90 ALU Limited 29.23 3.58 -14.93 -13.32 -24.07 11.71 27.43 45.33 67.40 1 ALX 6.15 0.33 -2.84 -7.12 -22.33 1.92 6.32 11.57 17.70 29 AMC PLC 14.50 -0.55 -4.29 -2.78 -3.60 8.81 4.31 6.42 12.20 49 AMP AMP Limited 1.555 -0.64 -3.12 -4.08 -11.48 -19.44 -27.13 -13.35 -2.38 122 ANN Limited 36.28 4.95 2.49 -4.73 17.84 27.99 17.21 15.23 12.29 47 ANZ ANZ Banking Grp Ltd 24.64 -0.08 7.55 35.63 -1.87 1.98 0.16 6.26 5.47 97 APA APA Group 9.47 -0.94 -3.77 -12.44 -13.07 8.25 11.44 7.50 13.23 44 APE AP Eagers Limited 13.85 6.62 6.87 97.86 45.75 52.26 22.06 5.95 20.70 25 APT Touch 141.33 6.14 24.75 94.94 305.89 204.43 163.78 - - - APX Appen Limited 22.70 1.70 -7.50 -39.60 -13.39 21.40 38.70 72.95 - - ARB ARB Corp Ltd 33.56 7.91 9.60 76.21 77.77 45.89 25.78 18.05 18.23 28 ARG Argo Investments 8.67 -1.25 5.73 19.05 0.90 9.76 5.07 6.66 6.04 88 AST AusNet Services Ltd 1.70 -3.41 -5.56 0.72 1.04 7.42 5.13 8.25 11.51 53 ASX ASX Limited 71.61 1.09 -2.57 -13.88 -13.53 9.18 12.76 15.77 9.46 64 AWC 1.72 -6.27 -5.75 1.32 -22.50 -5.84 -0.97 17.22 0.91 114 AZJ Holdings Ltd 3.90 1.30 -0.76 -11.66 -24.79 0.14 0.38 6.62 7.63 72 BAP Bapcor Limited 7.73 -0.51 2.11 36.32 27.50 16.59 13.42 15.90 - - BEN Bendigo and Adelaide 9.57 -3.14 1.48 35.36 -2.66 -2.41 0.00 3.66 4.86 100 BHP BHP Billiton Limited 46.13 -1.47 7.55 25.03 16.18 23.27 18.63 28.20 3.85 105 BKW 18.18 -1.46 -5.41 10.80 -8.04 8.99 11.87 6.69 7.24 79 BLD Limited 5.12 1.19 6.67 34.74 2.86 3.76 -8.70 4.05 4.09 103 BOQ Bank of 8.30 -0.12 7.93 33.65 13.78 -6.12 -7.02 -2.38 4.22 102 BPT Ltd 1.87 -4.59 4.47 20.90 -33.22 6.00 14.52 39.95 9.99 62 BRG Ltd 29.70 11.36 20.24 20.68 55.53 66.54 35.88 36.65 26.74 13 BSL BlueScope Steel Ltd 17.01 -3.63 -2.30 47.97 10.72 19.00 4.95 31.68 5.42 98 BWP BWP Trust 4.30 0.70 0.69 11.71 8.81 12.90 17.58 11.30 13.15 45 BXB 10.68 1.71 -0.09 -0.23 -11.92 2.83 5.86 2.13 7.12 81 CAR .Com Ltd 19.17 1.37 -2.64 3.13 8.15 28.08 12.17 13.39 16.78 32 CBA 85.09 -0.34 3.24 16.11 4.29 13.13 7.04 6.56 9.15 65 CCL Coca-Cola Amatil 13.03 0.62 1.40 54.17 11.78 29.10 20.03 13.15 4.30 101 CDA Codan Limited 11.98 1.53 7.25 45.14 54.38 100.78 76.88 83.37 24.31 16 CGF Challenger Limited 7.04 1.59 21.17 50.43 -17.07 -9.44 -16.72 3.21 7.45 75 CHC Charter Hall Group 13.99 4.17 -0.24 42.75 12.61 38.55 36.20 28.96 21.55 21 CIA Champion Iron Ltd 5.54 4.14 14.23 95.07 97.86 122.41 57.61 104.47 41.27 6 CIM Cimic Group Ltd 25.94 -4.35 4.39 15.14 -25.84 -21.73 -15.71 5.19 1.57 112 CLW Charter Hall Long Wale 4.45 -1.11 -2.94 1.43 -16.58 7.70 10.70 - - - CMW Cromwell Prop 0.84 -0.59 -2.41 -0.85 -25.61 -2.02 2.56 4.51 8.05 69 CNU 7.75 3.89 6.02 13.70 22.54 33.91 30.95 20.32 - - COH 197.90 3.72 3.37 0.68 -17.18 3.38 8.24 17.08 10.92 55 COL Ltd 18.16 1.51 -0.87 2.42 12.73 22.04 - - - - CPU Ltd 14.49 2.40 -0.75 8.55 -16.11 -7.15 -1.48 8.88 5.68 94 CQR Charter Hall Retail 3.62 3.43 0.73 15.39 -17.52 -4.56 3.68 4.20 7.68 71 CSL CSL Limited 274.60 2.75 -4.87 -2.35 -10.04 19.66 24.78 21.67 22.95 19 CSR CSR Limited 5.44 3.42 6.67 53.90 9.41 37.59 7.92 21.29 7.37 78 CTD Corp Travel Limited 16.79 4.81 -2.04 86.01 -17.05 -13.86 -3.76 8.95 27.97 11 CWN Ltd 9.94 -1.68 3.97 7.46 -15.72 -4.96 -4.10 3.50 6.04 87 CWY Waste Ltd 2.33 -5.28 -2.10 6.86 11.84 14.67 18.53 29.13 7.56 73 DHG Domain Holdings Ltd 4.62 5.96 1.76 41.72 17.77 41.12 20.24 - - - DMP Domino Pizza Enterpr 91.44 11.76 5.82 23.23 65.65 45.14 28.23 10.57 32.65 8 Price 1 week 1 month 6 months 1 year 2 years 3 years 5 years 10 years 10 years Ticker Stock Name $ % % % % % p.a. % p.a. % p.a. % p.a. ranking DOW Downer EDI Limited 5.39 -2.00 1.70 25.35 -35.66 -9.59 -2.56 17.29 5.79 93 DRR Deterra Royalties Ltd 4.64 4.98 -3.93 ------DXS 9.18 2.11 -0.55 3.82 -23.91 -4.48 4.13 9.78 10.66 58 EBO Ebos Group Ltd 27.19 3.07 1.08 29.20 18.23 19.22 19.70 18.94 - - EVN Ltd 4.62 0.22 -8.33 -26.86 24.48 12.82 22.85 28.37 12.27 48 FBU 5.85 1.74 9.35 80.00 8.94 12.36 -2.78 2.03 3.53 107 FLT Travel 15.62 2.23 4.69 44.36 -57.68 -34.93 -25.67 -9.64 1.98 111 FMG Fortescue Metals Grp 24.32 -3.42 3.58 54.20 105.52 146.62 77.77 80.36 16.48 33 FPH Fisher & Paykel H 32.50 10.81 3.67 -3.46 50.31 58.57 40.34 32.95 30.42 9 GMG 17.75 1.37 -4.18 11.53 21.22 25.13 32.58 26.10 20.22 26 GNE Genesis Energy Ltd 3.59 7.16 9.12 31.42 20.12 25.21 21.35 19.71 - - GOZ Growthpoint Property 3.28 1.86 -3.15 1.81 -21.09 0.60 6.49 7.99 11.10 54 GPT GPT Group 4.37 -0.46 -2.89 6.26 -24.99 -7.54 -0.18 2.96 8.63 67 HLS Healius Limited 3.94 1.55 2.60 25.88 36.29 20.30 7.25 13.03 3.46 108 HVN 5.23 1.75 12.47 51.12 24.65 33.92 12.40 9.32 9.15 66 IAG Insurance 5.00 -0.99 5.49 -11.97 -34.62 -13.18 -6.61 4.40 7.73 70 IEL Idp Education Ltd 20.41 3.45 5.53 44.14 1.50 36.54 49.43 45.73 - - IFL IOOF Holdings Ltd 3.74 1.08 7.47 -22.77 -47.71 -9.23 -21.94 -5.17 0.77 116 IFT Infratil Limited 6.86 2.39 2.08 53.03 30.12 43.88 34.96 21.12 19.68 27 IGO Independence Group 7.05 -1.26 15.57 38.20 8.60 35.23 14.77 28.53 0.90 115 ILU 6.95 1.91 12.28 42.92 38.39 34.11 13.30 20.33 5.96 89 IPL 2.80 10.67 23.35 47.37 -16.91 -10.07 -7.48 0.42 -1.26 119 IRE IRESS Limited 10.16 -1.07 -2.50 -2.55 -22.65 -0.98 -0.88 5.52 4.97 99 JBH JB Hi-Fi Limited 51.01 0.47 6.98 20.13 29.28 57.38 25.98 20.70 12.47 46 JHX James Hardie Indust 37.78 2.44 -0.13 32.42 22.66 58.62 22.04 20.11 21.33 23 LFG Liberty Financial Group 7.60 -2.44 1.74 ------LLC Group 12.50 -2.11 -3.10 5.94 -31.04 4.70 -3.84 3.63 7.06 83 LNK Link Admin Hldg 4.88 4.72 -12.07 13.51 -19.68 -15.55 -14.75 -5.37 - - LYC Corp Ltd 5.56 26.08 44.79 171.02 132.94 87.12 40.56 43.70 -11.76 128 MCY Mercury NZ Limited 6.92 9.84 17.49 56.05 38.09 46.55 34.10 25.67 - - MEZ Meridian Energy 7.40 1.37 17.46 67.82 48.08 50.45 43.25 28.83 - - MFG Magellan Fin Grp Ltd 47.73 0.34 -13.20 -21.49 -25.27 36.00 24.96 17.98 43.11 5 MGF Magellan Global Fund 1.77 5.04 1.14 ------MGR Group 2.53 -0.39 -2.35 20.47 -24.84 9.95 8.95 10.70 10.57 60 MIN Mineral Resources 38.19 -4.12 9.62 60.66 121.66 57.43 28.83 60.59 13.69 40 MLT Milton Corporation 4.91 0.61 2.94 18.09 0.49 9.04 4.96 5.50 7.44 76 MP1 Megaport Limited 12.84 -0.77 -9.64 -9.19 16.62 83.34 56.50 32.79 - - MPL Private Ltd 2.95 1.72 -0.67 2.48 -4.36 10.32 0.69 7.31 - - MQG Ltd 137.10 -0.17 -0.11 9.19 -3.85 12.17 14.29 16.97 15.98 36 MTS Limited 3.47 2.97 -0.86 29.09 36.42 21.43 6.63 17.69 1.48 113 NAB National Aust. Bank 24.12 -0.08 5.19 34.84 -3.85 3.58 -0.74 4.48 6.05 86 NAN Nanosonics Ltd 7.15 1.27 -7.50 13.85 -0.14 53.61 37.67 32.59 23.66 17 NCM 26.76 0.30 0.07 -20.88 -15.78 9.10 6.78 16.58 -2.36 121 NEC 2.47 4.66 7.86 74.13 27.00 27.85 18.90 11.89 - - NHF NIB Holdings Limited 5.77 -1.54 -1.03 25.49 5.91 7.23 -1.92 14.52 21.11 24 NIC Nickel Mines Ltd 1.295 2.78 17.73 128.52 94.20 128.66 - - - - NST Northern Star 13.43 5.58 7.53 -15.10 6.75 22.19 31.88 34.15 46.28 4 NWL Netwealth Group Ltd 17.75 20.50 7.97 52.64 123.43 50.17 40.61 - - - NXL Nuix Limited 11.05 22.23 35.58 ------NXT Nextdc Limited 11.81 2.87 -3.43 2.96 57.89 33.06 29.33 37.10 21.70 20 ORA Orora Limited 2.55 0.79 -5.90 6.76 -33.88 -16.13 -9.28 3.38 - - ORG 5.11 -0.39 8.49 -8.44 -38.53 -11.73 -14.61 8.26 -5.49 127 ORI Limited 15.86 8.48 3.05 -3.29 -30.72 -2.11 -1.83 5.15 -1.10 118 OSH Ltd 4.35 -1.36 25.00 38.98 -42.48 -21.03 -14.28 -4.11 -2.40 123 OZL OZ Minerals 20.20 -0.59 5.70 49.89 90.93 49.45 31.75 39.49 4.08 104 PBH Pointsbet Holdings 16.02 16.09 36.81 191.96 183.32 - - - - - PDL Pendal Group 6.50 0.31 -1.37 13.71 -21.13 -2.81 -11.21 -3.78 13.37 41 PLS Ltd 1.15 -2.13 35.29 257.81 229.18 33.27 9.51 31.83 34.23 7 PME Pro Medicus Limited 40.50 6.05 20.14 65.62 53.34 76.80 69.30 66.30 54.15 3 PMV Premier Investments 22.86 -5.96 0.96 37.14 17.62 29.66 18.11 15.06 16.25 34 PNV Polynovo Limited 2.63 3.54 -31.51 17.41 -7.07 105.96 72.77 58.25 56.95 2 PTM Platinum Asset 4.12 1.48 -1.90 9.87 -9.92 -0.11 -15.45 -3.31 3.57 106 QAN Airways 4.85 -0.61 1.04 32.15 -28.57 -8.71 0.13 6.66 8.29 68 Price 1 week 1 month 6 months 1 year 2 years 3 years 5 years 10 years 10 years Ticker Stock Name $ % % % % % p.a. % p.a. % p.a. % p.a. ranking QBE QBE Insurance Group 8.45 -1.40 -2.87 -13.63 -36.84 -7.98 -3.08 -0.06 -2.75 124 QUB Ltd 2.96 0.34 1.37 8.08 -15.22 7.85 6.59 10.26 10.77 57 REA REA Group Ltd 142.79 0.74 -2.40 32.07 26.59 37.47 25.47 23.09 28.77 10 REH Reece Limited 16.79 3.13 13.06 78.12 50.36 30.07 22.14 22.61 15.54 37 RHC 62.70 5.59 -0.67 -1.94 -20.06 5.74 -0.72 2.79 15.37 38 RIO Limited 119.32 -1.00 3.39 16.28 16.39 27.31 19.59 28.48 5.82 92 RMD ResMed Inc. 27.90 4.18 -0.64 -1.98 18.04 31.32 36.94 28.34 24.39 15 RWC Reliance Worldwide 4.14 8.66 0.00 44.12 -4.54 -2.68 0.90 - - - S32 Limited 2.77 3.36 10.36 28.28 -1.39 -6.88 -6.60 27.19 - - SAR Saracen Mineral 5.07 5.41 7.64 -18.49 32.72 33.97 51.22 47.92 21.46 22 SCG 2.86 -2.05 4.76 36.84 -24.16 -11.05 -5.59 -1.90 - - SCP SCA Property Group 2.39 -0.83 -4.04 11.74 -11.45 2.07 7.59 7.96 - - SDF Steadfast Group Ltd 4.07 2.26 1.75 17.00 8.49 26.18 15.88 25.09 - - SEK 28.47 5.06 0.74 29.41 20.02 28.57 15.84 16.58 16.92 30 SGM Sims Metal Mgmt Ltd 13.70 -0.94 9.51 68.93 16.61 24.15 -5.04 18.36 -1.89 120 SGP 4.54 4.37 11.85 44.06 -4.63 16.18 7.59 7.50 6.78 84 SGR The Star Ent Grp 3.65 1.96 0.83 31.77 -15.24 -4.59 -10.86 -3.52 - - SHL 35.10 4.06 5.41 10.21 14.34 27.08 17.61 17.42 13.32 43 SKC Skycity Ent Grp Ltd 2.84 -0.35 -4.05 17.84 -25.30 -4.55 -2.76 -2.58 5.84 91 SKI 2.15 2.38 2.55 0.66 10.28 3.01 4.51 8.71 11.53 52 SNZ Summerset Group 11.58 7.72 7.02 56.06 35.61 39.89 33.97 26.99 - - SOL Soul Pattinson (W.H) 27.63 -2.47 -8.90 37.97 25.69 4.17 19.97 12.62 10.21 61 SPK 4.45 -0.45 0.68 -0.10 5.03 14.28 15.58 11.86 16.17 35 STO 7.21 -2.83 18.00 32.59 -18.27 11.26 13.76 21.72 -2.76 125 SUL Super Ret Rep Ltd 11.48 -2.30 9.54 45.39 26.66 31.67 12.74 6.23 9.56 63 SUN Ltd 10.45 0.29 6.63 15.17 -18.84 -6.01 -3.45 3.74 7.49 74 SVW 22.95 -0.30 1.46 32.72 6.66 23.49 16.20 38.72 11.81 51 SYD Sydney Airport 5.89 -3.76 -6.80 9.84 -29.67 0.01 0.33 2.73 13.86 39 TAH Ltd 4.18 5.03 6.36 22.32 -8.84 -1.19 -2.72 2.90 5.48 96 TCL Group 13.40 4.36 -2.31 -1.67 -13.50 9.74 7.89 8.93 13.35 42 TLS Corporation 3.20 2.56 6.67 -4.13 -15.17 7.91 -0.19 -5.52 7.23 80 TLT Tilt Renewables Ltd 5.56 2.96 -1.77 64.50 71.08 67.69 0.00 - - - TNE Technology One 8.12 6.01 -2.40 -5.15 -6.58 11.43 20.45 13.47 25.12 14 TPG TPG Telecom Limited 7.45 4.05 4.78 -5.10 ------TWE Treasury Wine Estate 9.32 1.19 1.75 -17.69 -45.55 -19.76 -13.53 3.00 - - VCX 1.545 -2.83 -1.93 15.68 -37.83 -18.46 -10.43 -4.84 - - VEA Group Ltd 1.855 1.09 -4.13 6.72 -0.31 2.68 - - - - VOC Ltd 4.33 5.10 7.44 46.78 30.82 15.78 13.01 -8.43 12.07 50 VUK Virgin Money UK PLC 2.40 0.00 9.09 35.59 -26.61 -17.19 -24.30 - - - WBC Banking Corp 21.78 2.01 11.35 22.65 -12.13 -3.80 -5.61 -0.31 5.50 95 WES Limited 53.41 6.33 4.93 17.53 22.69 31.89 23.09 15.46 10.91 56 WOR WorleyParsons Ltd 12.29 -2.85 9.73 39.80 -19.71 -3.15 -0.92 31.47 -4.29 126 WOW Woolworths Limited 40.76 3.11 3.45 6.70 0.92 19.55 16.85 13.63 6.66 85 WPL 26.56 -0.75 19.00 28.94 -22.54 -6.29 -1.88 5.70 0.15 117 WPR Waypoint REIT 2.53 0.40 -5.19 -4.49 -2.49 12.55 11.79 - - - WTC WiseTech Global Ltd 33.20 19.73 8.75 56.24 32.93 29.79 34.06 - - - XRO Limited 136.99 2.40 -6.87 46.22 60.32 79.35 65.89 55.09 - - YAL Yancoal Australia Ltd 2.40 -5.88 1.69 16.50 -9.93 -8.04 -18.98 7.69 - - Z1P Zip Co Limited 7.23 28.88 41.49 11.06 79.85 151.28 101.78 77.53 23.24 18 Data source: IFM Investors, IRESS

The above information, compiled by IFM Investors, shows Total Shareholder Return (TSR) for the 170 largest companies listed on the Australian Securities Exchange. The size of a company is determined by its market capitalisation, calculated as price multiplied by ordinary fully paid shares on issue, at the start of the previous quarter. TSR expresses the current price of a stock, plus all dividends accrued within the period, as a percentage of the share price, adjusted for any capital events, at the start of the period. Australian Listed Equities: Weekly Share Market Wrap

Best and Worst Performing Stocks as at 22 January 2021

Best Performers - 1 Year Return (%) Worst Performers - 1 Year Return (%)

Afterpay Touch (APT) 305.9 Flight Centre Travel (FLT) -57.7

Pilbara Minerals Ltd (PLS) 229.2 IOOF Holdings Ltd (IFL) -47.7

Pointsbet Holdings (PBH) 183.3 Treasury Wine Estate (TWE) -45.5

Lynas Corp Ltd (LYC) 132.9 Oil Search Ltd (OSH) -42.5

Netwealth Group Ltd (NWL) 123.4 Origin Energy (ORG) -38.5

Mineral Resources (MIN) 121.7 Vicinity Centres (VCX) -37.8

Fortescue Metals Grp (FMG) 105.5 AGL Energy Limited (AGL) -37.0

Champion Iron Ltd (CIA) 97.9 QBE Insurance Group (QBE) -36.8

Nickel Mines Ltd (NIC) 94.2 Downer EDI Limited (DOW) -35.7

OZ Minerals (OZL) 90.9 The A2 Milk Company (A2M) -35.0

Data source: IFM Investors, IRESS Data source: IFM Investors, IRESS

Best Performers - 5 Year Return (% p.a.) Worst Performers - 5 Year Return (% p.a.)

Champion Iron Ltd (CIA) 104.5 AMP Limited (AMP) -13.4

Codan Limited (CDA) 83.4 Flight Centre Travel (FLT) -9.6

Fortescue Metals Grp (FMG) 80.4 Vocus Group Ltd (VOC) -8.4

Zip Co Limited (Z1P) 77.5 Telstra Corporation (TLS) -5.5

Appen Limited (APX) 72.9 Link Admin Hldg (LNK) -5.4

Pro Medicus Limited (PME) 66.3 IOOF Holdings Ltd (IFL) -5.2

Mineral Resources (MIN) 60.6 Vicinity Centres (VCX) -4.8

Polynovo Limited (PNV) 58.2 Oil Search Ltd (OSH) -4.1

Xero Limited (XRO) 55.1 Pendal Group (PDL) -3.8

Saracen Mineral (SAR) 47.9 Adelaide Brighton (ABC) -3.6

Data source: IFM Investors, IRESS Data source: IFM Investors, IRESS

Best Performers - 10 Year Return (% p.a.) Worst Performers - 10 Year Return (% p.a.)

Altium Limited (ALU) 67.4 Lynas Corp Ltd (LYC) -11.8

Polynovo Limited (PNV) 56.9 Origin Energy (ORG) -5.5

Pro Medicus Limited (PME) 54.1 WorleyParsons Ltd (WOR) -4.3

Northern Star (NST) 46.3 Santos Limited (STO) -2.8

Magellan Fin Grp Ltd (MFG) 43.1 QBE Insurance Group (QBE) -2.7

Champion Iron Ltd (CIA) 41.3 Oil Search Ltd (OSH) -2.4

Pilbara Minerals Ltd (PLS) 34.2 AMP Limited (AMP) -2.4

Domino Pizza Enterpr (DMP) 32.7 Newcrest Mining (NCM) -2.4

Fisher & Paykel H (FPH) 30.4 Sims Metal Mgmt Ltd (SGM) -1.9

REA Group Ltd (REA) 28.8 Incitec Pivot (IPL) -1.3

Data source: IFM Investors, IRESS Data source: IFM Investors, IRESS

Disclaimer The material in this document is provided for informational purposes only. It does not constitute an investment recommendation and should not be relied upon as investment advice. Past performance is no guarantee of future performance. The information in this document has been prepared without taking into account the investment objectives, financial situation or particular needs of any particular person or entity. IFM Investors Pty Ltd (‘IFM Investors’) recommends that before making an investment decision, each prospective investor should consult a financial adviser and should consider whether any investments are appropriate in light of their particular investment needs, objectives and financial circumstances. IFM Investors will not be under any liability for loss or damage of any kind arising as a result of any representation or information expressly or impliedly contained in this document, notwithstanding any negligence, default, or lack of care by it or that such loss or damage was foreseeable.