Westpac Starting out. Student and graduate packages

Transcription

1 Westpac Starting out Student and graduate packages

2 Our Student and Graduate Pacs take care of your banking so you can focus on your studies, or your new job and just get on with living life the way you want.

3 Contents 4 How can we help you? 6 What does Student Pac give you? 8 What does Graduate Pac give you? 10 What does it cost? 11 Like to apply? 12 Like to know more? 3

4 How can we help you? We can help you: save money every day you can do most of your banking for free. with more ways to access your money with the Westpac Debit MasterCard. make the most of your savings with savings accounts that encourage you to save more. have a bit of extra credit when you need it, with a credit card* and/or an interest free overdraft*. take care of your belongings with car and contents insurance. Studying full-time? When you re studying full-time, it s important to keep everything else in life as simple as you can like the money side of things. You don t want to stress about bank charges or the odd cash crisis you want a bank that understands what being a student is like. That s why we ve created Student Pac. It can help simplify things and keep costs down it may even mean you have a bit of extra cash when you need it. To find out more see page 6. Recently graduated? Congratulations! Even though things are changing, it s still important to have a banking package that keeps things simple and gives you the flexibility you need. A Graduate Pac can help keep costs down, and offers you extra support while you re getting established. Like access to extra credit (just in case) or a loan to help you make those larger purchases, such as a new car or furniture. To find out more see page 8. * Westpac s current lending criteria and terms and conditions apply to all applications and transfers. 4

5 5

6 Student Pac What does Student Pac give you? Student Pac puts all your banking together in one simple package. You could get: an everyday Easy Access student account with no monthly account maintenance or transaction fees^. a Debit MasterCard with the $10 annual fee waived for the course of your student life. It works like a credit card except that you ll be using money from your Easy Access student account. a Save and Win student account with the chance to win monthly cash prizes ranging from $50 to $1000^^. access to Online Banking, Mobile Banking and and txt alerts. access to contactless payment technology the faster, simpler way to pay for small purchases under NZD$80. the chance to apply for an interest-free overdraft of up to $2000*. the chance to apply for a Low Rate or Standard MasterCard with a limit of up to $1000. We ll also waive the first year s annual fee**. the option to apply to join the Westpac KiwiSaver Scheme***. the chance to apply for Westpac Renters Contents and/or Vehicle Cover****. For more information on Student Pac, visit westpac.co.nz/ studentpac or give us a call on between 7am and 11pm any day of the week. 6

7 Who can get Student Pac? You can apply for Student Pac if you re a New Zealand resident studying full-time at an NZQA approved tertiary institute for at least 12 weeks. There s more about Student Pac what it costs and how to apply, on page 10. What happens after your course? This great deal doesn t have to end when your course ends. If you have a Student Pac, we note the date your course is due to end and will automatically get in touch and move you on to a Graduate Pac when the time comes. All you need to do is keep us updated if your circumstances change. ^ Other service fees may apply, for example clearance fees and fees for use of other banks ATMs. For details please ask for our Transaction and Service Fees brochure or call us on for a copy. ^^ Subject to the Save and Win student prize draw eligibility criteria and terms and conditions available at westpac.co.nz/studentpac. You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge * Westpac s applicable lending criteria and terms and conditions apply to all applications for finance. An establishment fee may apply for personal loans. ** Westpac s current credit card lending criteria apply to all applications and transfers. MasterCard Conditions of Use apply. MasterCard and the MasterCard Brand Mark are registered trade marks of MasterCard International Incorporated. *** BT Funds Management (NZ) Limited is the scheme provider, and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme ( Scheme ). Investments made in the Scheme do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN , Westpac New Zealand Limited or other members of the Westpac group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac group of companies, The New Zealand Guardian Trust Company Limited (as trustee), or any director or nominee of any of those entities, or any other person guarantees the Scheme s performance, returns or repayment of capital. A copy of the investment statement for the Scheme is available from any branch of Westpac. **** Westpac Renters Contents and Vehicle Cover are arranged by Westpac New Zealand Limited ( Westpac ) and underwritten by Lumley General Insurance (N.Z.) Limited ( Lumley ). Westpac does not guarantee the obligations of, or any products issued by Lumley. More detail can be found in the policy document. The availability of any insurance cover is subject to the acceptance and approval of a complete application. 7

8 Graduate Pac What does Graduate Pac give you? Graduate Pac puts all your banking together in one simple package. You could get: an everyday Easy Access account with no monthly account maintenance or transaction fees^. a Debit MasterCard with the annual fee waived for the first year. It works like a credit card except you ll be using your own money from your Easy Access graduate account. an Online Saver or Online Bonus Saver account^^. Earning you a higher rate of interest with no monthly maintenance or transaction fees^. access to Online Banking, Mobile Banking and and txt alerts. access to contactless payment technology the fast, simple way to pay for small purchases under NZD$80. the chance to apply for an interest-free overdraft of up to $2000*. a personal loan* at a special graduate rate to help you buy those things you need such as a car or furniture for your new place. the chance to apply for a Low Rate or Standard MasterCard with a limit of up to $1000. We ll also waive the first year s annual fee**. the option to apply to join the Westpac KiwiSaver Scheme***. the chance to apply for Westpac Renter s Contents and/or Vehicle Cover****. For more information on Graduate Pac, visit westpac.co.nz/ graduatepac or give us a call on between 7am and 11pm any day of the week. 8

9 What happens after the first year? Graduate Pac discounts are designed to help you get established in the year following graduation. After that, you ll automatically move on to an Electronic transaction account. Like your Easy Access graduate account, with your Electronic account, transactions are free. And if you stop your printed statements via online banking, you ll pay no monthly account maintenance fee^. Any overdraft you have will shift to the current standard interest rate. Who can get Graduate Pac? You can apply for a Graduate Pac if you re a New Zealand resident and within the last 12 months you ve completed and qualified in an NZQA-approved tertiary course that took at least one semester (minimum 12 weeks). But of course if you already have a Student Pac, you don t need to apply. We ll automatically move you on to a Graduate Pac when your course is due to end. All you need to do is let us know if your circumstances change. There s more about Graduate Pac what it costs and how to apply over the page. ^ Other service fees may apply, for example clearance fees and fees for use of other banks ATMs. For details please ask for our Transaction and Service Fees brochure or call us on for a copy. ^^ To operate the Online Saver or Online Bonus Saver account, you must hold a Westpac transaction account. Any transfers from your Online Saver or Online Bonus Saver account are to be made directly to your transaction account. For details please ask for our Transaction and Service Fees brochure or call us on for a copy. You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge. * Westpac s applicable lending criteria and terms and conditions apply to all applications for finance. An establishment fee may apply for personal loans. ** Westpac s current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use apply. MasterCard Conditions of Use apply. MasterCard and the MasterCard Brand Mark are registered trade marks of MasterCard International Incorporated. *** BT Funds Management (NZ) Limited is the scheme provider, and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme ( Scheme ). Investments made in the Scheme do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN , Westpac New Zealand Limited or other members of the Westpac group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac group of companies, The New Zealand Guardian Trust Company Limited (as trustee), or any director or nominee of any of those entities, or any other person guarantees the Scheme s performance, returns or repayment of capital. A copy of the investment statement for the Scheme is available from any branch of Westpac. **** Westpac Renters Contents and Vehicle Cover are arranged by Westpac New Zealand Limited ( Westpac ) and underwritten by Lumley General Insurance (N.Z.) Limited ( Lumley ). Westpac does not guarantee the obligations of, or any products issued by Lumley. More detail can be found in the policy document. The availability of any insurance cover is subject to the acceptance and approval of a complete application. 9

10 What does it cost? Your Student or Graduate Pac is designed to keep your costs low. Here s how your Easy Access account works. Monthly account maintenance* Electronic Transactions* EFTPOS, ATM**, automatic payments and direct debits once set up (service fee applies to set up or amend), direct credit, bill payments, online and phone banking payments Manual transactions* Cheques, ATM deposits, deposits and withdrawals at a branch Manual transactions not available for Online Saver or Online Bonus Saver. Debit MasterCard annual account fee Student or Graduate overdraft establishment fee debit interest line of credit charge (LCC) Student or Graduate credit card hotpoints credit card account Low Interest MasterCard Graduate Personal loan establishment fee debit interest Phone Banking first 5 calls a month calls after that Mobile Banking ( and txt alerts) alerts txts from Westpac (txt balance enquiry, txt transfer confirmations and txt alerts) Your mobile service provider s normal txt charges apply when you send a txt to Westpac. Student Save and Win account manual transactions electronic transactions Free Free Free Waived for Student Pac and first year of Graduate Pac (normally $10) Waived (normally $25.00) Interest free to agreed limit 0.1% per month (min. $3 per month) $44 annual account fee (first year free) $65 annual account fee (first year free) $250 Subject to change, check at time of loan application Free 50c each Free Free $3 per transaction $1 per transaction 10

11 Like to apply? Applying is easy. Just fill in the application form (there are forms for both the Easy Access student and graduate accounts at the back) and bring it into one of our branches. Please also bring: Students Graduates Forms of identification. Please see our list of acceptable identification available at westpac.co.nz/aml ü ü Details of any income you have, such as payslips ü ü Your IRD number ü ü Details of your student allowance and student loan ü Something to prove you are a full-time tertiary student such as your course fee receipts or confirmation letter Something to show you ve graduated, like a copy of your academic record or qualification ü ü Proof of address. Please see our list of acceptable proof of address documentation available at westpac.co.nz/aml ü ü Please note if your application is approved, you ll need to have any income you earn paid straight into your Easy Access Account. * Other service fees may apply, for example overdrawing your account without an overdraft and setting up and amending automatic payments and direct debits. For details please ask for our Transaction and Service Fees brochure or call us on for a copy. ** Any transactions made at another bank s ATM will incur an additional $1 charge. hotpoints is a registered trademark of Westpac Banking Corporation. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. 11

12 Like to know more? Call between 7am and 11pm, 7 days a week or visit your nearest Westpac branch. You can also visit us at westpac.co.nz to find out about other ways we can help. 12

13 Easy Access student account application Westpac use only Authority No. Date day / month / y ear If you have any questions or need help completing this form, please call To: The Manager, Westpac BRANCH NAME A: Personal details * ie. Where we can contact you if you shift. ** This is for the Government s Resident Withholding Tax (RWT) calculation. If you don t tick anything and/or don t provide your IRD number, we will use the higher tax rate. Mr Mrs Ms Miss Other (please specify) First name(s) Surname Home address NUMBER & STREET SUBURB TOWN/CITY Postal or other permanent mailing address* NUMBER & STREET SUBURB town/city POSTCODE Phone number: day time 0- home 0- mobile Date of birth DAY / MONTH / YEAR ID type ID number expiry ID type ID number expiry IRD number **Tax rate (tick one circle) 10.5% 17.5% 30% 33% Signature Date day / month / year By signing this you are bound by the Declaration, Easy Access student terms and conditions, Debit MasterCard Declaration (if applicable) and Westpac s General Terms and Conditions B: Study details Co-borrower signature Required if applicant is under 18 years of age Date day / month / year By signing this you are bound by the Declaration, Easy Access student account terms and conditions, Debit MasterCard Declaration (if applicable) and Westpac s General Terms and Conditions Please supply proof of your enrolment eg. course fee receipts or enrolment confirmation letter University, Polytech or College of Education Course completion date DAY / MONTH / YEAR Course/Degree enrolled in Current year of study (eg. first/final year) C: Easy Access student terms and conditions To qualify for an Easy Access student account, you must: be a New Zealand resident studying full time at an NZQA accredited tertiary institute for at least one semester (minimum 12 weeks) and have your student allowance, loan, salary, wages or any other form of income paid directly to your Easy Access student account. In addition to Westpac s General Terms and Conditions, the following conditions apply: fees are charged in accordance with the Student and Graduate Packages brochure and Westpac s Transaction and Service Fees brochure. the fees, charges and information contained in these documents are subject to change from time to time. you can only have one tertiary package at any bank, and you can only have one Easy Access student account. if you re under 18 years of age, this application form must be co-signed by your parent or guardian as co-borrower. after your course finishes, your Easy Access student account will automatically change to an Easy Access graduate account. the Easy Access graduate account is only available for 12 months, after which your account will automatically change to an electronic account and standard fees and charges will apply. D: Declaration I: agree to be bound by all terms and conditions set out in this application in addition to any other conditions that may apply. acknowledge having been provided with the Westpac General Terms and Conditions brochure and agree to be bound by the terms set out in that brochure as amended or replaced from time to time. agree to read the Westpac General Terms and Conditions brochure as it contains important statements about my rights and obligations. certify that all information supplied in this application is true, correct and complete in every respect and understand that if it is not true, correct and complete, this application may be declined and I may be liable to Westpac. acknowledge that I have the right to access and correct my personal information held by Westpac subject to the provisions of the Privacy Act What I have authorised. I authorise: the co-borrower signatory named in this application to operate this account, issue instructions to Westpac in any form and do everything relating to my relationship with Westpac for this account. This is called the banker/customer relationship as provided in Westpac s General Terms and Conditions. other people to be added to or removed from this account authority. this authority to apply to the accounts listed overpage subject to my signing rule. Nobody can delegate the authority I have given them. Westpac and its related companies to use all the information that they hold about me now or in the future to make available to me the full range of financial services offered by them and, if I apply for and am issued a Debit MasterCard, I authorise Westpac to provide me from time to time with details of products and services which may be purchased with the card. continued overleaf

14 D: Declaration continued Receiving and acting on instructions by fax, phone, electronically or other means As part of doing business, Westpac may communicate with me by fax, phone or electronically and may accept telephone, facsimile, electronic or other instructions in the course of the banker/customer relationship. However, Westpac: is not obliged to accept those as instructions; and will not be liable to me or any other party if the instructions are unauthorised, forged or fraudulently given and Westpac could not have reasonably detected that from the instructions received. Indemnify Westpac To the maximum extent permitted by law I will indemnify Westpac for its losses in acting on such instructions. Adding or removing people to/from the authority Additional authorised persons may be appointed and any authorised person may be removed only by notice in writing to Westpac signed in the same manner as this form. E: Financial details 1. What is your average monthly income before tax? $ a month 2. What are your total savings or investments with Westpac? $ 3. What are your total savings or investments with banks other than Westpac? $ 4. Please tick the one which best describes your living arrangements hostel renting live with parents/guardians boarding own home 5. What is your student-related debt (eg. student loan)? $ 6. What is your other debt (eg. credit cards, HPs, personal loans)? $ 7. how much are your home loan, board or rent payments? $ a month 8. How much are your payments on your other debts? $ a month 9. If applicable, how much do you pay for child support? $ a month F: Student Pac benefits Yes, I d like to open an Easy Access student account Yes, I d like to open a Save and Win account Yes, I d like to apply for a Debit MasterCard Yes, I d like to set up Online Banking Yes, please provide a quote for my car and/or contents insurance Yes, I d like to apply for an overdraft. Yes, I d like to apply for a credit card Credit card limit Overdraft limit Total limit (Min $300 Max $1,000 (Min $0 Max $2,000) (Must not exceed $3,000) G: Debit MasterCard details Please complete if you have indicated above that you would like to apply for a Debit MasterCard H: Application checklist Westpac use only Password (required for identification when calling Westpac): Your name as you would like it to appear on your card: Declaration: I agree to be bound by any conditions which may be imposed by Westpac relating to Westpac Debit MasterCard, including Westpac s General Terms and Conditions. If my application is approved, I agree that use of my card will indicate I have agreed to be bound by the Conditions of Use accompanying the card. I authorise Westpac to make necessary enquiries concerning New Zealand residency status from whatever source it considers appropriate, and authorise any party approached to provide such information. I authorise Westpac to disclose my relevant personal information (including default information) to any credit reporting agency that Westpac has a subscriber agreement with (currently Baycorp Advantage) and I also understand that such reporting agencies will use the information provided to them by Westpac to update their credit reporting database and may disclose any information that they hold on me to their own customers. Westpac may also use the credit reporting agency s monitoring service to receive updates, if any, of the information it holds about me. I authorise Westpac to disclose my relevant personal information (including default information) to any person Westpac may appoint to collect any outstanding debt. I acknowledge that fees and charges will apply to the use of the card. Details of fees and charges are provided in the Transaction and Service Fees brochure. Check you ve got everything you ll need to take with you to a Westpac branch to open your account: personal identification (please refer to Westpac s approved list of identification documents available at proof of address (eg. electricity bill in your name) proof that you re a qualifying student such as your course fee receipts or course confirmation letter 0 3 details of your student allowance or loan and any other income (eg. payslips) IRD number Bank Branch number Account number Suffix Relevant attachments provided: proof of enrolment eg. course fees receipt, proof of registration/enrolment or study fees receipt proof of income eg. letter from employer/winz/parents, previous 3 months bank statements Statement of position obtained: system loadings completed with fixed expiry date set; credit check obtained; all relevant sections completed; all other student packages repaid; phone banking and online banking loaded; ensured requested credit card and overdraft limit meets the criteria given in Section F of this form. This is an account opening authority. Please file with your other authorities. If applicable: Easy Access student account opened Save and Win account opened MasterCard requested Online Banking set up Insurance quotation(s) completed Overdraft processed Credit card application received Authority No. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge. Westpac New Zealand Limited WP STUDENT

15 Easy Access graduate account application Westpac use only Authority No. Date day / month / y ear If you have any questions or need help completing this form, please call To: The Manager, Westpac BRANCH NAME A: Personal details * ie. W here we can contact you if you shift. ** This is for the Government s Resident Withholding Tax (RWT) calculation. If you don t tick anything and/or don t provide your IRD number, we will use the higher tax rate. Mr Mrs Ms Miss Other (please specify) First name(s) Surname Home address NUMBER & STREET SUBURB TOWN/CITY Postal or other permanent mailing address* NUMBER & STREET SUBURB town/city POSTCODE Phone number: day time 0- home 0- mobile Date of birth DAY / MONTH / YEAR ID type ID number expiry ID type ID number expiry IRD number **Tax rate (tick one circle) 10.5% 17.5% 30% 33% Signature Date day / month / year By signing this you are bound by the Declaration, Easy Access graduate account terms and conditions, Debit MasterCard Declaration (if applicable) and Westpac s General Terms and Conditions B: Graduation details C: Easy Access graduate account terms and conditions Please supply proof of your graduation eg. a copy of your academic record or qualification University, Polytech or College of Education course graduation date DAY / MONTH / YEAR To qualify for an Easy Access graduate account you must: be a New Zealand resident. have completed or qualified in a course that lasted at least one semester (minimum 12 weeks) at an NZQA accredited tertiary institution within the past 12 months. have your salary, wages or any other income paid directly to your Easy Access graduate account. In addition to Westpac s General Terms and Conditions, the following conditions apply: fees are charged in accordance with the Student and Graduate Packages brochure and Westpac s Transaction and Service Fees brochure. the fees, charges and information contained in these documents are subject to change from time to time. you can only have one graduate package at any bank, and you can only have one Easy Access graduate account. the Easy Access graduate account is only available for 12 months, after which your account will automatically change to an Electronic account and standard fees and charges will apply. D: Declaration I: agree to be bound by all terms and conditions set out in this application in addition to any other conditions that may apply. acknowledge having been provided with the Westpac General Terms and Conditions brochure and agree to be bound by the terms set out in that brochure as amended or replaced from time to time. agree to read the Westpac General Terms and Conditions brochure as it contains important statements about my rights and obligations. certify that all information supplied in this application is true, correct and complete in every respect and understand that if it is not true, correct and complete, this application may be declined and I may be liable to Westpac. acknowledge that I have the right to access and correct my personal information held by Westpac subject to the provisions of the Privacy Act What I have authorised. I authorise: the signatory named in this authority to operate this account(s) and do everything relating to my relationship with Westpac for this account(s) (this is called the banker/customer relationship, and as provided in Westpac s General Terms and Conditions). other people to be added to or removed from this account authority. this authority to apply to the accounts listed overpage subject to my signing rule. Nobody can delegate the authority I have given them. Westpac and its related companies to use all the information that they hold about me now or in the future to make available to me the full range of financial services offered by them and, if I apply for and am issued a Debit MasterCard, I authorise Westpac to provide me from time to time with details of products and services which may be purchased with the card. continued overleaf

16 D: Declaration continued Receiving and acting on instructions by fax, phone, electronically or other means As part of doing business, Westpac may communicate with you by fax, phone, electronically and may accept telephone, facsimile, electronic or other instructions in the course of the banker/ customer relationship. However, Westpac: is not obliged to accept those as instructions; and will not be liable to me or any other party if the instructions are unauthorised, forged or fraudulently given and Westpac could not have reasonably detected that from the instructions received. Indemnify Westpac To the maximum extent permitted by law I will indemnify Westpac for its losses in acting on such instructions. Adding or removing people to/from the authority Additional authorised persons may be appointed and any authorised person may be removed only by notice in writing to Westpac signed in the same manner as this form. E: Financial details 1. What is your average monthly income before tax? $ a month 2. What are your total savings or investments with Westpac? $ 3. What are your total savings or investments with banks other than Westpac? $ 4. Please tick the one which best describes your living arrangements hostel renting live with parents/guardians boarding own home 5. What is your student debt (ie. student loan)? $ 6. What is your other debt (eg. credit cards, HPs, personal loans)? $ 7. How much are your home loan, board or rent payments? $ a month 8. How much are your payments on your other debts? $ a month 9. If applicable, how much do you pay for child support? $ a month F: Graduate Pac benefits Yes, I d like to open an Easy Access graduate account Yes, I d like to open a savings account Yes, I d like to apply for a Debit MasterCard Yes, I d like to set up Online Banking Yes, please provide a quote for my car and/or contents insurance Yes, I d like to apply for an overdraft Yes, I d like to apply for a Personal Loan Yes, I d like to apply for a Credit Card Credit card limit Overdraft limit Total limit (Min $300 Max $1,000 (Min $0 Max $2,000) (Must not exceed $3,000) G: Debit MasterCard details Please complete if you have indicated above that you would like to apply for a Debit MasterCard H: Application checklist Westpac use only Password (required for identification when calling Westpac): Your name as you would like it to appear on your card: Declaration: I agree to be bound by any conditions which may be imposed by Westpac relating to Westpac Debit MasterCard, including Westpac s General Terms and Conditions. If my application is approved, I agree that use of my card will indicate I have agreed to be bound by the Conditions of Use accompanying the card. I authorise Westpac to make necessary enquiries concerning New Zealand residency status from whatever source it considers appropriate, and authorise any party approached to provide such information. I authorise Westpac to disclose my relevant personal information (including default information) to any credit reporting agency that Westpac has a subscriber agreement with (currently Baycorp Advantage) and I also understand that such reporting agencies will use the information provided to them by Westpac to update their credit reporting database and may disclose any information that they hold on me to their own customers. Westpac may also use the credit reporting agency s monitoring service to receive updates, if any, of the information it holds about me. I authorise Westpac to disclose my relevant personal information (including default information) to any person Westpac may appoint to collect any outstanding debt. I acknowledge that fees and charges will apply to the use of the card. Details of fees and charges are provided in the Transaction and Service Fees brochure. Check you ve got everything you ll need to take with you to a Westpac branch to open your account: personal identification (please refer to Westpac s approved list of identification documents available at proof of address (eg. electricity bill in your name) proof that you re a qualifying graduate (e.g. your academic record) 0 3 details of your student allowance or loan and any other income (eg. payslips) IRD number Bank Branch number Account number Suffix Relevant attachments provided: proof of graduation confirmation of income to be direct credited to account Statement of position obtained; system loadings completed with fixed expiry date set; credit check obtained; all relevant sections completed; all other student packages repaid; phone banking and online banking loaded; ensured requested credit card and overdraft limit meets the criteria given in Section F of this form. This is an account opening authority. Please file with your other authorities. If applicable: Easy Access graduate account opened Savings account opened MasterCard requested Online Banking set up Insurance quotation(s) completed Overdraft processed Credit card application received Personal loan application received Authority No. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge. Westpac New Zealand Limited. GRAD 72458WP

17 The information in this brochure and the terms and conditions for the Westpac Student and Graduate Packages are current as at 7 September 2014 and may vary from time to time at Westpac s discretion. Terms and conditions apply to all Westpac products and services. See the relevant brochure for full details of each product or service. Other fees / charges may apply. For full details, refer to our latest pricing list which is available from any Westpac branch free of charge. Westpac s current lending criteria apply to all applications for finance. Westpac s current Credit Card lending criteria apply to all applications and transfers. Credit Card Conditions of Use apply. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Hotpoints terms and conditions apply. hotpoints is a registered trademark of Westpac Banking Corporation. Terms, conditions, exclusions and limits apply to all applications for insurance. For further details see the relevant policy document. Westpac Renters Contents and Vehicle Cover are arranged by Westpac New Zealand Limited ( Westpac ) and underwritten by Lumley General Insurance (N.Z.) Limited ( Lumley ). Westpac does not guarantee the obligations of, or any products issued by Lumley. More detail can be found in the policy document. The availability of any insurance cover is subject to the acceptance and approval of a complete application. Westpac s general terms and conditions apply. If you re under 18 years of age, your parent or guardian may need to co-sign for some products and services. You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge. Westpac New Zealand Limited WP