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QUESTION 7 A Product Disclosure Statement must be provided when: Recommending a financial strategy to a wholesale client Recommending a financial product to a retall client Recommending a financial strategy to e retail client Recommending a financial product to a wholesale client QUESTION & A Financial Services guide must be provided when it becomes clear that: general wholesale advice is going to be given personal retail advice is going to be given general retail advice is going to be given no advice is going to be given