These questions have been prepared in conjunction with Morningstar to determine the ANZ KiwiSaver Scheme (“Scheme”) investment fund that most closely corresponds to the risk profile associated with the relevant responses in this questionnaire. This questionnaire is for information purposes only.  Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of  ANZ’s financial advisers, please contact us on 0800 269 238. All investments in the Scheme involve risk, which may result in the loss of money invested. To the extent permitted by law, ANZ National Bank Limited (“ANZ”) ,OnePath (NZ) Limited (“OnePath”) and Guardian Trust Superannuation Trustees Limited (“GTSTL“) disclaim liability or responsibility to any person for any direct or indirect loss or damage that may result from any act or omission by any person in relation to, or in reliance on, the information supplied in this questionnaire.

GTSTL is the Trustee and currently the Issuer, OnePath is the Scheme Provider, Promoter and Administration and Investment Manager, and ANZ is the Distributor of the Scheme. Units or interests in the Scheme do not represent deposits or liabilities of ANZ. Units and interests are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No entity^* guarantees (either partially or fully) the capital value or performance of any products issued or managed by OnePath, including the Scheme.

^*Please note, this includes OnePath, ANZ, Australia and New Zealand Banking Group Limited, GTSTL, their respective directors, any member of their respective groups of companies and any other person.

Further information and copies of the Investment Statement for the Scheme are available on request, free of charge, from any branch of the ANZ or by contacting ANZ Managed Funds on 0800 736 034.

Your Wealth Direct Authorised Financial Adviser’s disclosure statement, prepared under the Financial Advisers Act 2008, is available on request and free of charge by contacting your Wealth Direct Authorised Financial Adviser.