* BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Invest. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the responsible entity and issuer of interests in BT Cash and Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 is the responsible entity and issuer of interests in BT Managed Portfolios (the Panorama products). An Investor Guide is available for BT Invest and a PDS is available for BT Cash and BT Managed Portfolios. These disclosure documents can be obtained by clicking here or calling 1300 881 716.  You should obtain and consider the disclosure documents before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. BTPS, BTFM and WFSL are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). Apart from any interest investors may have in Westpac term deposits or securities acquired through BT Invest, an investment in or acquired through BT Invest is not an investment in a bank or a bank deposit. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not guarantee an investment in or acquired through BT Invest.