The Product Disclosure Statement (PDS) is a summary of significant information about investing in VSPRY LIVE WELL TRUST (Trust), which is a product managed by Vspry Australia Limited ACN 631 026 330 (VSPRY) and issued by Kinsmen Securities Limited ACN 100 139 820 (Responsible Entity). You should consider the information in the PDS in its entirety, before making a decision about the Trust. The information provided in the PDS is general information only and does not take into account your personal financial situation or needs. You should obtain financial advice tailored to your personal circumstances. Information in the PDS is subject to change from time to time. Where the changes are not materially adverse, VSPRY will make updated information available on our website at vspry.com/disclosure.