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“Eluvia Newsletter email registration” – Terms & Conditions

1. Participation in this offer is deemed acceptance of these Terms and Conditions.

2. The ‘Eluvia Newsletter email registration’ offer is open to all Australian residents over the age of 18 years.

3. The offer is provided by KRA Financial Group Pty Ltd ABN 83 072 766 995, Mills Nettheim Pty Ltd ABN 66 054 941 552 and President Financial Services Pty Ltd ABN 70 142 562 936, trading as Eluvia Melbourne and Eluvia Sydney, Authorised Representatives of AMP Financial Planning Pty Limited AFS Licence no. 232706. Office addresses;

a. Eluvia Melbourne; Suite 1040, Level 10, 1 Queens Road, Melbourne VIC 3004

b. Eluvia Sydney; Suite 3, 13-21 MacDonald Street, Paddington NSW 2021

4. To be eligible, the participant must sign up to receive the Directions e-newsletter by supplying a valid email address via the Eluvia website at www.eluvia.com.au before 11:59pm AEST on Thursday 15th December 2011

5. The offer is limited to 1 travel voucher per person or couple chosen at random by ‘Eluvia’ from all valid newsletter email registrations.

6. The randomly chosen recipient of the offer (person or couple) will receive a Flight Centre travel voucher for the amount of $600 to be redeemed at the recipient’s discretion (subject to the gift voucher terms of use)

7. The recipient of the offer (person or couple) will be announced on the Eluvia website at www.eluvia.com.au during the month of January 2012.

8. KRA Financial Group Pty Ltd ABN 83 072 766 995, Mills Nettheim Pty Ltd ABN 66 054 941 552 and President Financial Services Pty Ltd ABN 70 142 562 936, trading as Eluvia Melbourne and Eluvia Sydney reserves the right to change, amend, add to or alter the Terms and Conditions herein without prior notification; and all participants shall be bound by such changes, amendments, additions and/or alterations.

9. Employees of KRA Financial Group Pty Ltd ABN 83 072 766 995, Mills Nettheim Pty Ltd

ABN 66 054 941 552 and President Financial Services Pty Ltd ABN 70 142 562 936, trading as Eluvia Melbourne and Eluvia Sydney and their immediate family members are not eligible for this offer