Fees and charges apply. Read the terms and conditions and Important Information Document available at www.ddhgraham.com.au before deciding whether the product is appropriate for you. For Select TDs, customers must provide a minimum of 31 days' notice to access funds prior to maturity (except in cases of hardship). Partial withdrawals from a Select TD are not permitted. If a Select TD is closed early, an interest rate reduction will normally apply. Term Deposits are 'protected accounts' under the Financial Claims Scheme (FCS). Payments under the FCS are subject to a limit for each depositor. For more information see the APRA website at http://apra.gov.au
Select CMA and Select TD are issued by Westpac Banking Group ABN 33 007 457 141, AFSL and ACL 233714 and distributed by DDH Graham Limited ABN 28 010 639 219 and AFSL 226319.