As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. Product Disclosure Statement issued by Commonwealth Bank of Australia ABN 48 123 123 124 for Foreign Exchange Services is available on request and should be considered before making any decision about this product. Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the loan offer. Bank fees and charges are payable. Financial markets products contain an element of risk: the level of risk varies depending on the product’s specific attributes and how it is used. The Bank will enter transactions on the understanding that the customer has: made their own independent decision to enter into the transaction; determined that the transaction is appropriate; ensured they have the capacity to evaluate and understand the terms, conditions and risks, and is not relying on any communication or information from the Bank as advice.