Investments in this Fund are not deposits with the Bendigo Bank, or any other bank and are subject to normal investment risk including loss of some or all of the principal invested. Past performance is not an indication of future performance. Sandhurst shall satisfy withdrawal requests as soon as practicable (generally on the same day, but not more than 12 months). Withdrawal requests shall be satisfied as soon as practical (generally on the same day, but not more than 12 months). However, requests may be delayed or refused if it's in the best interests of investors as a whole to do so. Investors will only have limited rights to withdraw if the fund does not satisfy the liquidity test in the Corporations Act. There is also a risk that withdrawal proceeds will not be paid within a reasonable period after the initial investment term.