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RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065 promotes and distributes RAMS deposit products as an authorised representative of Westpac Banking Corporation ABN 33 007 457 141AFSL and Australian credit licence 233714("Westpac"). Westpac is the credit provider for RAMS home loans and the issuer of RAMS deposit product.