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Target Market Determination

Design and Distribution Obligations

DDO (Design and Distribution Obligations) is new legislation that is effective from 5 October 2021 and requires issuers and distributors of financial products to have a consumer-centric approach to the design and distribution of their products, with the aim of helping consumers to obtain financial products that are appropriate for their objectives, financial situation and needs.

 

What’s a Target Market Determination?

A Target Market Determination (TMD) is a written document that describes the class of consumers that comprises the target market for a financial product and matters relevant to the product’s distribution and review. The TMD also requires Rabobank to consider and plan how the product will be distributed so that it reaches consumers in the target market and is unlikely to be acquired by consumers outside the target market. It also serves as a reference point for distributors (e.g. Intermediaries) to comply with their distribution obligations.

 

Target Market Determinations

 

Rabobank Online Savings Products

Rabobank products

    Target Market Determinations - Historical

     

      This page contains the written Target Market Determinations (TMDs) that we are required to make publicly available under section 994B of the Corporations Act 2001 (Cth). We are not required to prepare and make publicly available a TMD for all of our products; only those required under Law. For information about all of the products that we issue, please call us on 1800 724 214.

      Note: A TMD is not a Product Disclosure Statement or Product Terms and Conditions, it does not summarise the product’s features or terms, or take into account any person’s individual objectives, financial situation or needs. Any advice contained in this webpage is of a general nature only and has been prepared without taking into account your objectives, financial situation or needs and because of that, you should, consider the appropriateness of the advice, having regard to your objectives, financial situation and needs before acting on the advice.