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Things you should know.

BT Funds Management (NZ) Limited is the scheme provider and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme (Scheme).

The information above is subject to changes in government policy and law, and changes to the Westpac KiwiSaver Scheme, from time to time.

Investments made in the Westpac KiwiSaver Scheme and other Westpac managed funds do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac group of companies, The New Zealand Guardian Trust Company Limited (as trustee), or any director or nominee of any of those entities, or any other person guarantees the Scheme's or other managed funds' performance, returns or repayment of capital.

For a copy of any applicable Product Disclosure Statement or term sheet for your investment or for more information about the Scheme, contact any Westpac branch or call 0508 972 254 or from overseas +64 9 375 9978. You can also download the Product Disclosure Statement.