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Disclosure statements

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  • 1 An electronic signature is not acceptable for these forms by CFS.

    Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (referred to as Colonial First State or CFS) is the Trustee of Essential Super ABN 56 601 925 435 and the issuer of interests in Essential Super. Essential Super is distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (the Bank or CommBank). The CFS Group consists of Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 (HoldCo) and its subsidiaries, which includes CFS. The Bank holds an interest in the CFS Group through its significant minority interest in HoldCo.

    This information is issued by CFS and may include general financial product advice but does not consider your individual objectives, financial situation, needs or tax circumstances, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it. The Target Market Determination (TMD) for Essential Super can be found at cfs.com.au/tmd and includes a description of who the financial product is appropriate for and any conditions on how the product can be distributed to customers. You should read the Product Disclosure Statement (PDS) and the Reference Guides for Essential Super carefully and consider whether the information is appropriate for you before making any decision regarding this product. Download the PDS and Reference Guides at commbank.com.au/essentialsuperbusiness-documents or call us on 13 4074 for a copy. 

    The clearing house facility is provided by SuperChoice Services Pty Limited ABN 78 109 509 739 (SuperChoice), an authorised representative of PayClear Services Pty Limited ABN 93 124 852 320 AFSL 314357 (PayClear). SuperChoice and PayClear are not part of the Commonwealth Bank Group or CFS. The SuperChoice Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) is provided at the time of registration. Employers should consider the SuperChoice Combined FSG and PDS before deciding whether to apply or accept the offer to use the clearing house facility.

    None of the Bank, HoldCo, CFS, nor any of their respective subsidiaries guarantee the performance of Essential Super or the repayment of capital by Essential Super. An investment in this product is subject to risk, loss of income and capital invested. An investment in Essential Super is via a superannuation trust and is therefore not an investment in, deposit with or other liability of the Bank or its subsidiaries.  

    The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is not part of the Commonwealth Bank Group or CFS. Insurance cover is provided to eligible members of Essential Super under policies issued to CFS.