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The new Design Distribution and Obligations (DDO) came into effect on 5 October 2021 and require product issuers to develop Target Market Determinations (TMDs) for the products they issue to retail clients.
A Target Market Determination is a document which describes who a product is appropriate for (target market) and any conditions around how the product can be distributed to customers.
It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.
For previous versions of the TMD, see below or speak with our support team via our Get Help page.
