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This material has been prepared without taking into account your objectives, financial situation or needs ('your circumstances'). Before making a decision, consider whether any advice given is appropriate to your circumstances, and read the relevant terms and conditions and Product Disclosure Statement (available in-branch or at heritage.com.au). Lending criteria, limits, conditions, fees and charges apply. Target Market Determinations available at www.heritage.com.au/TMD. Information could change without notice.