The financial advice and other services accessible to members are provided by employees of the Trustee (or a related entity) that are authorised representatives of Industry Fund Services Limited (IFS) ABN 54 007 016 195 AFSL 232514. These services are provided on behalf of IFS, not the Trustee. References to a 'Vision Super Financial Planner' is a reference to a representative of IFS that is authorised to provide personal advice that takes into account your personal circumstances. Other IFS representatives (advisers) may provide members with general advice, guidance or factual information (that is, assistance that does not constitute personal advice). Before making any decision in relation to any of our products, you should read the appropriate Product Disclosure Statement and Target Market Determination (TMD) at visionsuper.com.au.