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Things you should know.

The Market Updates are provided by BT for general commentary and market colour. They are provided for information purposes only and have been prepared without taking into account the financial situation or goals of any person. Because of this, before acting, you should consider the appropriateness of the information, having regard to your particular financial situation or goals. You should contact a Westpac Financial Adviser if you would like further information or any financial advice regarding your particular financial situation. Any views or opinions expressed in the Market Updates are not necessarily those of Westpac or any related companies of BT or Westpac. They are based on information current at the time from sources which BT believes to be reliable, but may involve material elements of subjective judgement and analysis. No representation is made as to the accuracy or currency of the information contained in the Market Updates and none of BT, Westpac or their related companies accepts any liability for any loss or damage related to the use of any information contained in the Market Updates. Past performance is not a reliable indicator of future performance.

BT Funds Management (NZ) Limited is the scheme provider and Westpac New Zealand Limited is a distributor, of the Westpac KiwiSaver 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 Westpac Active Series 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 supervisor), or any other person guarantees the Westpac KiwiSaver Schemes' and Westpac Active Series' performance, returns or repayment of capital.

For a copy of any product disclosure statement or more information about the Westpac KiwiSaver Scheme, contact any Westpac branch or call 0508 972 254 or from overseas +64 9 375 9978 (international toll charges apply). You can also download the product disclosure statements.