Bridges Financial Services Pty Limited (Bridges), ABN 60 003 474 977 ASX participant AFSL No 240837 part of the IOOF group, is the entity that provides advice. Teachers Mutual Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981. The Bank is the referrer and in referring members to Bridges, the Bank does not accept any liability or responsibility for any act, omission or advice provided by Bridges or its authorised representatives. This general advice does not take into account your individual situation, needs or circumstances. You should assess your own financial situation, or seek professional advice before making any financial decisions based on this advice. If we refer you to Bridges for financial advice we may receive a referral fee ranging from 0-30% of any entry fee and/or any ongoing fee paid by you to Bridges.