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A TMD is not a recommendation, opinion or advice that any person acquire the product or is within the target market for the product. A particular person’s objectives, financial situation and needs may differ from others in the class of persons who form the target market for the product. A TMD does not summarise the terms or risks of the product. A TMD is not an offer of, or invitation to apply for, the product to any person in Australia or in any other jurisdiction. It does not set out all obligations of regulated persons in relation to the product or the TMD. Persons considering applying for a product should first contact ANZ to obtain information about the product and the application process.