tailieunhanh - Financial Services Guide 11.12

We first focus on four previous systemic financial crises that the United States has experienced since 1870. These include the crisis of 1873 (called the Great Depression until the 1930s), the 1893 crisis, the panic of 1907, and the Great Depression. Given that all of the earlier crises predate the creation of deposit insurance in 1933, and that three of the four crises predate the establishment of a central bank in the United States, one could well quibble about the claim that the relevant institutions are more comparable across centuries in the United States. | Financial Services Guide XNZ fr Introduction This Financial Services Guide is designed to assist you in deciding whether to use any of the financial services offered by Australia and New Zealand Banking Group Limited ANZ . It provides you with an understanding of what to expect from your interactions with ANZ. The ANZ Group includes a number of companies that provide financial services insurance superannuation and investment services. You should refer to the section headed ANZ s business interests and associations on page 14 for more information. AFSL234527 Financial Services Guide FSG This guide contains information about Services and products provided by ANZ - it outlines the kinds of services and products ANZ is authorised to provide under its Australian Financial Services Licence as well as other services and products ANZ offers Remuneration received by ANZ and related persons - it outlines the remuneration ANZ its staff and other related persons receive in connection with the financial services ANZ provides and ANZ s Complaints Process - this describes how ANZ deals with any complaints you may have about its services or products as well as providing key contact details to communicate a complaint. You will typically receive an FSG when ANZ provides you with financial product advice or sells you a financial product. Some parts of the ANZ Group have their own FSG. You will typically receive their FSG when they provide you with financial product advice or sell you a financial product. .