(a) the Financial Services Guide is given to the client before the financial service is provided; and
(b) the following conditions are satisfied:
(i) there is a change in circumstances before the service is provided, and the Financial Services Guide does not contain the information it would be required to contain if it were given to a person immediately after that change;
(ii) the fact that the Financial Services Guide does not contain the up to date information is materially adverse from the point of view of a reasonable person deciding, as a retail client, whether to proceed to be provided with the financial service;
the providing entity must, before the service is provided, give the client:
(c) another Financial Services Guide that contains the up to date information before the service is provided; or
(d) a Supplementary Financial Services Guide (see Subdivision C) that updates the information in the Financial Services Guide.