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Financial products referred to on this website are issued by Qudos Mutual Limited trading as Qudos Bank, unless noted otherwise, and are only available in Australia. For more information about the products offered by Qudos Bank, and about our Financial business partners, please read our Financial Services Guide (FSG). Any advice on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness to your circumstances and consider obtaining financial advice. You should also consider the relevant Terms and Conditions or Product Disclosure Statement (PDS) when deciding whether to acquire or hold any of our financial products or services. Terms and conditions and general information about our products and services are available on request by calling 1300 747 747. Qudos Bank proudly subscribes to the Customer Owned Banking Code of Practice.