Target Market Determinations

What is a Target Market Determination (TMD)?

A TMD is a document that describes:

• The consumer for which the product has been designed
• The conditions around the product’s distribution
• The events or circumstances where we may need to review the TMD
• When the TMD will be reviewed
• Record keeping and reporting obligations of distributors

Please note a TMD is not intended to provide financial advice. When making a decision about a product, please refer to the Terms and Conditions and any supplementary document(s). These will outline the relevant terms and conditions being provided under that product.

How can you view a TMD?

We have listed all our TMDs below, they have been set out in their product categories.

If you have any issues, please contact us.

Home Loans

Overdraft

Personal Lending

Self-Managed Super Fund 

Savings

Cards

Third Party Products

If you require a copy of a TMD for one of our third party products, please refer to the below links related to your product.

CGU Insurance

• Home Insurance
• Car Insurance
• Landlords Insurance

Ezicover (Zurich)

• Life Insurance
• Income Protection Insurance

Cash Passport

Convera - Telegraphic Transfers