The performance of an investment in the ANZ Online Investment Account is not guaranteed and can be volatile, particularly in the short term. Once the money that you have deposited is invested, it is no longer held on deposit by ANZ or subject to any depositor protection under the Banking Act 1959. ANZ does not guarantee your investment in the ANZ Online Investment Account or the performance of the product or its investments. Your investment in the product is subject to a range of investment risks. They include possible delays in the repayment of withdrawals from your investment and loss of income and principal invested. ANZ recommends you read the Product Disclosure Statement before deciding to acquire or hold the product.