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On 1 November 2018 our External Dispute Resolution (EDR) Scheme changes from the Financial Ombudsman Service (FOS) to Australian Financial Complaints Authority (AFCA). AFCA’s contact details are: phone 1800 931 678, email info@afca.org.au and in writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne, Vic, 3001. Your terms and conditions, to the extent the EDR Scheme details form part of them, are updated accordingly.

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