Investments made in the Westpac Cash PIE Fund (“the Fund”) do not represent bank deposits or liabilities of Westpac New Zealand Limited (“Westpac NZ”) or any other member of the Westpac group of companies, and are subject to investment and other risks. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac group of companies nor any person guarantees the Fund's performance, returns or repayment of capital. Any rates of return are subject to change. Westpac NZ’s General Terms and Conditions (including online banking terms) apply to investments in the Fund and Westpac NZ transaction accounts. You can get more information and free copies of the Disclosure Statement for Westpac NZ, the term sheet for the Fund and Westpac NZ’s General Terms and Conditions from any Westpac branch. A copy of the Trust Deed for the Fund can be accessed here, and a copy of the latest audited PIE Financial Statements here.