Midwinter Competitors

We’ve helped over 3 million Australians and counting. We provide superannuation, investment and retirement products to members as well as to corporate and superannuation fund investors. Our wide range and investment management expertise spans Australian and global shares, property, fixed interest, credit, hedge funds, infrastructure and private equity. The privacy of your personal information is important to us. We will handle all personal information collected in accordance with applicable privacy laws and our privacy policy and collection statement which can be accessed here www.cfs.com.au/privacy. If you have any questions in relation to our privacy practices or would like to request a copy of our privacy policy please contact us on 13 13 36. Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee and issuer of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the issuer and Investor Directed Portfolio Services (IDPS) operator and administrator of investment products. Information on this social media may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at www.cfs.com.au/tmd, which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS), Investor Directed Portfolio Service Guide (IDPS Guide) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the FirstChoice PDSs and the FSG from www.cfs.com.au or by calling 13 13 36 and FirstWrap PDSs, FSGs and IDPS Guides from www.firstwrap.com.au or your adviser.

BT is the wealth management brand of the Westpac Group, helping Australians from all backgrounds manage, grow and protect their money. From our beginnings in 1969, we have fostered a strong culture of intelligent expertise and insights. We have a strong financial services heritage in Australia, giving you the assurance that you are dealing with experienced and knowledgeable experts, supported by the strength and stability of the Westpac Group. We provide our customers with best in class wealth services. These include: • Investment • Superannuation • Platforms • Insurance solutions

Supporting millions of Aussies since 1988 with low fees and competitive long-term performance. Profits back to members, not shareholders 💙 Product issued by Retail Employees Superannuation Pty Limited. Consider if it is appropriate for you and read the PDS available at rest.com.au/pds before deciding to join or stay. Head to rest.com.au to learn more. Full website and social media terms and conditions: https://rest.com.au/why-rest/about-rest/fund-details/terms-and-conditions