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Panorama 360 degree video disclaimer:

Disclaimer:

This video has been prepared by BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) and is general information only. Every effort has been made to ensure that it is accurate, however it is not intended to be a complete description of the matters described. The video has been prepared without taking into account any personal objectives, financial situation or needs.

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Panorama Investments (an investor directed portfolio service), BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the responsible entity and issuer of interests in BT Cash and Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 is the responsible entity and issuer of interests in BT Managed Portfolios (the Panorama products). An Investor Guide is available for BT Panorama Investments and a Product Disclosure Statement is available for BT Cash and BT Managed Portfolios. These disclosure documents can be obtained from BTPS by visiting www.panorama.com.au/invest/documents or calling 1300 881 716. A person should obtain and consider the disclosure documents before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. In addition, BTPS is the provider of the SMSF Establishment Service and the SMSF Administration Service. The Guide and Terms and Conditions for each of these services is available by contacting BTPS on 1300 881 716.

BTPS, BTFM and WFSL are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). Apart from any interest investors may have in Westpac term deposits or securities acquired through BT Panorama Investments, an investment in, or acquired using, the Panorama products is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. Investments in the Panorama products are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investment in, or acquired through, Panorama products. ©BT Financial group. Information is current as at Feb 2017.