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JLT Public Sector is a division of Jardine Lloyd Thompson Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”) which is part of the Marsh group of companies. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.