Target Market Determination

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Under Product Design & Distribution Obligations we are required to make available Target Market Determinations (TMD) to our customers. The Design and Distribution obligations are intended to help consumers obtain appropriate financial products by requiring issuers and distributors to have a consumer centric approach to the design and distribution of products.

These documents are not a substitute for the product’s terms and conditions or other disclosure documents. Customers should refer to the product's terms and conditions or other disclosure documents when making a decision about these products. The TMDs can be found via the links below or by contacting us.