2 Contents 1 Definitions 2 2 When you receive your card 4 3 The cardholder s personal identification number (PIN) 4 4 Your business card account 5 5 Payments 6 6 Transferring a balance from another bank s card 7 7 Interest charges 8 8 Your credit limit 9 9 Use of your card Other card services Joint cards What to do if your card is lost or stolen What happens if someone else uses the card? The bank s liability If you think we have made a mistake If you don t pay the business card account Termination Use of information Changes to conditions of use Fees Transaction limits Overseas card use Time of use Replacement cards Phone Banking Extended warranty Fee Schedule 24
3 These Conditions of Use are current as at 15 April This document is a legal contract between each of the Cardholder(s), the Business and ANZ Bank New Zealand Limited ( the Bank ). Please keep it in a safe place and familiarise yourself with the contents. The Business and each Cardholder are bound by these Conditions of Use (as altered from time to time) as soon as the ANZ Business MasterCard application form is completed and signed by the Business and the Cardholders, or you have signed or used the ANZ Business MasterCard. 2 1
4 1. Definitions In this document, unless the context otherwise requires: ANZ means ANZ Bank New Zealand Limited and any of its subsidiaries or related companies as those terms are defined in the Companies Act ATM / ATMs means automatic teller machines accepting the Card. Balance Transfer is where you transfer the balance of your credit card issued by another bank or financial institution to your Card. In undertaking a Balance Transfer, funds from your Card are credited to another credit card account held by you which is not an ANZ account. Business means the company, partnership or other incorporated or unincorporated body which has applied jointly with a Cardholder or Cardholders for an ANZ Business MasterCard. Business card account means the credit card account on which the Card can be used. Card means your ANZ Business MasterCard(s) with MasterCard affiliation. Cardholder means the individual or individuals in whose name a Card is issued (jointly with the Business), and who must be a stakeholder in the Business. Cash Advance means a cash withdrawal made using your Card against your Business card account. Closing Balance means the total amount owing to the Bank as at the Closing Date specified in a statement.
5 Closing Date means the last date of the statement period as disclosed on a statement. Due Date means the date by which you must pay at least the minimum payment due. EBS means Electronic Banking Service where transactions are processed through Phone Banking, EFTPOS terminals or ATMs by using the Card with any associated PIN or other approved method of identification. EFTPOS means Electronic Funds Transfer at Point of Sale terminals and also includes, where appropriate, ATMs. MasterCard means MasterCard International Inc. the licensor of the right to use the MasterCard brand, and in relation to a Card includes the registered designs and word marks used on or in connection with it. Phone Banking means the touchtone telephone banking service operated by the Bank, as amended by the Bank at any time. PIN means the Personal Identification Number(s) selected by you from the Bank for use with your Card for EBS transactions. We and Us means the Bank. You and Your means each of the Cardholders and the Business severally, and all of them jointly. 2 3
6 2. When you receive your card The Cardholder must sign the Card immediately, with their usual signature, in the space provided on the back of the Card. The Cardholder must keep the Card in their possession or in a safe place at all times in order to preclude its use by anyone else. The Card remains the property of the Bank at all times and you agree to return it if asked, or if the Business card account accessed by the Card is closed. 3. The cardholder s personal identification number (PIN) The Cardholder must memorise their PIN. Under no circumstances must you keep a written record of your confidential PIN. The PIN is not to be disclosed to anyone else, not even a Bank officer. At present, you will require: A four digit PIN for ATM and EFTPOS use A five digit PIN for Phone Banking. For security purposes, you must ensure that this five digit PIN does not resemble your four digit PIN used for ATMs and EFTPOS. Important: Should you write your PIN on your Card, keep a record of it with or near your Card, or disclose it to someone else, you will be held liable for any transactions, even if they are carried out by an unauthorised person (see page 13, What happens if someone else uses the card? ).
7 4. Your business card account We will maintain a Business card account for you to which all credit card transactions will be charged. You agree not to use your Business card account beyond the available credit limit that we have agreed. Each Cardholder and the Business agree to be jointly and severally liable for the repayment of all amounts owing in relation to the use of the Card, irrespective of whether any of the Cardholders cease to be a stakeholder in the Business. Any disputes in respect of goods or services purchased using your Business card account must be taken up with the merchant concerned. The Bank accepts no liability in this regard. You cannot stop payment of a Business card account transaction that has been validly signed or authorised. We will send you monthly statements which will show all the Business card account transactions. Statements (addressed to both the Cardholder(s) and the Business) will be sent to the address shown on the Card application form or to any other address notified to us by both the Cardholder(s) and the Business in writing. If you move and do not advise a change of address, we will retain your statements until you notify us where they should be sent. 4 5
8 5. Payments You are obliged to meet the minimum monthly payment due, even though a statement may not have been received by you. You agree to pay, within 25 days of the statement Closing Date, not less than the minimum sum due which is either the outstanding balance (if less than $10.00), or the greater of $10.00 or 3% of the outstanding balance. You agree to setup a monthly direct debit to pay at least the minimum sum due. If the Bank does not receive the minimum monthly payment from you by the Due Date shown on your statement, a Late Payment Fee, as detailed in the Fee Schedule at the back of these Conditions of Use, may be charged. All payments by mail should be sent to ANZ Card Operations, PO Box 40, Wellington and will not be credited until received at that address. You should allow at least four working days transit time for payments sent by mail. Payments that are made to your Business card account will generally be applied in the order set out below. In all cases, transactions with the lowest interest rates will be repaid before those at higher interest rates. 1. All interest, fees and charges (including any Government charges) that appear on any account statement or have been charged since the last statement s Closing Date, and all other transactions that appear on any account statement, including Balance Transfers, Cash Advances and purchases. 2. All other transactions made since the current statement period, including Balance Transfers, Cash Advances and purchases.
9 6. Transferring a balance from another bank s card 6 7 The Bank may allow the Business to transfer the balance of another credit, charge or store card held by the Business with another bank or financial institution (the Transferring Account ) to a Bank card. The following conditions apply to Balance Transfers: 1. Subject to lending criteria, the Bank accepts Balance Transfers from Transferring Accounts. The Bank has the right to decline any request for a Balance Transfer, in whole or in part. 2. The Bank cannot accept a Balance Transfer: From other ANZ Card accounts From Transferring Accounts issued outside New Zealand If the balance on your Bank Card has reached or exceeded 95% of the available credit limit balance If you are in default on any existing Bank Card account If the Transferring Account named in your application is in default at the time the application is received. 3. If the Balance Transfer you request will cause you to exceed the limit on your Bank account, the Bank may process up to 95% of the limit on your Bank card. 4. Subject to any special promotional offer. 5. You must continue to make payments to your Transferring Account while the Balance Transfer application is being processed and toward any remaining balance once the transfer is complete. The Bank accepts no liability for any late payments or other liabilities relating to the Transferring Account. 6. If you wish to close your Transferring Account you will need to contact the issuer of the card and arrange closure.
10 7. Interest charges This section sets out the circumstances in which interest may be charged on your Business card account. Subject to the terms and conditions below, interest may be charged on purchases, Cash Advances, Balance Transfers, fees, charges and previously billed interest. When are you charged interest on your ANZ Business MasterCard 1. You will not be charged interest on your Business card account if you always pay all of the Closing Balance specified in a statement by the Due Date, other than for Cash Advances and Balance Transfers (as set out in points 4 and 5 below). 2. If you do not pay all of the Closing Balance specified in a statement by the Due Date, then interest will accrue on: (a) each item making up the Closing Balance specified in that statement (this may include purchases, fees, charges and previously charged interest); and (b) any purchases made, and fees and charges incurred, from the Opening Date of your next statement taking into account any payments made to reduce the amounts outstanding under (a) and (b) above from time to time. 3. Interest under point 2 will accrue from: (a) in the case of a purchase the date the purchase was made; (b) in the case of a fee or charge the date the fee or charge was incurred; and (c) in the case of interest, the date the interest was charged to your Business card account; until the Closing Date of your next statement. Interest on Cash Advances and Balance Transfers 4. You will be charged interest on each Cash Advance and Balance Transfer you make, except to the extent the Cash Advance or Balance Transfer (as the case may be) is made out of credit funds. 5. Interest under point 4 of this section will accrue from the date the Cash Advance or Balance
11 Transfer (as the case may be) is made until the Cash Advance or Balance Transfer (as the case may be) is paid in full Interest will be calculated daily on any interest and fees charged on a Cash Advance from the date the interest or fee is charged to your Account until the date that it is paid in full. How is interest calculated? 7. If interest accrues on your Business card account it will be calculated on a daily basis at the Bank s applicable current daily credit card interest rate (calculated by dividing the applicable current annual interest rate by 365). 8. Interest which accrues on your Business card account will be charged to your Business card Account on the next Closing Date of your statement and will itself bear interest in accordance with these Conditions of Use if your Closing Balance is not paid by the Due Date. 9. For the purposes of calculating interest on your Business card account, the end of each day will be the time of day determined by the Bank from time to time. 10. The current annual credit card interest rates are shown on each statement and may be changed by the Bank from time to time. Notice of each interest rate is given in the manner set out in section 19 of these Conditions of Use. 8. Your credit limit Your credit limit for your Business card account is specified in the letter accompanying the Card. This is the maximum amount that can be owing on the Business card account. If two Cards have been issued, your credit limit applies to both Cards combined. You agree not to use your Card beyond the available credit, unless a special arrangement has been made with the Bank.
12 9. Use of your card If you use your Card and PIN for an electronic transaction through an EFTPOS terminal or ATM, you give us the authority to debit the Business card account with the amount of the transaction. If you use your Card outside New Zealand, your transactions will be charged to the Business card account in New Zealand dollars at a rate of exchange fixed by the Bank. When you use your Card in conjunction with your PIN, you give the Bank the authority to debit the Business card account with the amount of payments, transfers or cash withdrawals, or to divulge the balance of the Business card account without further verification or authentication. These transactions are irreversible. If you pay electronically by using your Card and PIN in an EFTPOS terminal or an ATM, you give the Bank the authority to debit the Business card account with the amount of the transaction, and to credit that amount to the retailer s account. This transaction is irreversible. Any disputes in respect of goods and services purchased using EFTPOS must be taken up with the merchant concerned. The Bank accepts no liability in this regard.
13 10. Other card services If you request any additional services that may become available in relation to your Card, you give the Bank authority to debit the Business card account with all charges payable to the provider of the service for your participation in it. The Bank reserves the right to suspend or cancel your rights to use additional services available in relation to your Card if at any time these Conditions of Use are breached (including without limitation, exceeding the credit limit or failing to make repayments when due). Third parties who provide additional services in relation to your Card may, as part of their security procedures and for quality assurance purposes, record and retain telephone instructions. 11. Joint cards The Card is a joint Card between the Business and the Cardholder (or Cardholders, if more than one). A maximum of two Cards may be issued to Cardholders on the application of the Business. The Bank will accept instructions relating to the Business card account from any of the Business or the Cardholder(s) and the Business and each Cardholder agree to be jointly and severally liable to the Bank for any such instruction. To cancel the Business card account, the instruction of one only of the Business or a Cardholder is necessary, plus the return to the Bank of both Card(s). Cancellation does not affect your liability for transactions initiated prior to cancellation
14 12. What to do if your card is lost or stolen If your Card is lost or stolen, or if you think your PIN has become known to someone else, let the Bank know immediately. You may contact any ANZ branch or ANZ Card Operations as follows: Freephone 24 hours daily Facsimile Monday Friday, 8am 5pm After Hours Facsimile Outside New Zealand call collect (24 hours) Written confirmation of what has happened must be given to the Bank within seven days. Please ensure that full details (where, when, how and what) are included as the Bank may need to relay these details to the police. If you lose your Card outside New Zealand, you should report it to the Bank through the ANZ Global Services emergency telephone number or the nearest MasterCard member bank, and confirm the loss in writing to the Bank within a reasonable time.
15 13. What happens if someone else uses the card? Provided that you notify us within a reasonable time period that your Card has been lost or stolen, or your PIN disclosed, you will not be liable for any loss that occurs before you notified us. This limitation on your liability will not apply if: You negligently or recklessly disclosed your PIN, for example, by failing to take reasonable care to prevent others from identifying your PIN while using an ATM or carrying out an EFTPOS transaction A written record of the PIN has been kept on or with the Card, or if you have kept it in a form that can be readily identified as a PIN You have selected an unsuitable PIN such as birth dates, sequential numbers (e.g. 1234), parts of personal telephone numbers or other easily accessible personal data, or combinations easily identified (e.g. 1111) You have disclosed your PIN to anyone, whether family or those in apparent authority including bank staff You have unreasonably delayed notifying us that the Card has been misplaced, lost or stolen, or that your PIN has been disclosed You have acted fraudulently You have parted with your Card or allowed someone else to use your Card You have failed to reasonably safeguard your Card. In the event that you have undertaken any of the actions listed above, your maximum liability for loss caused by that breach shall be the lesser of the actual loss at the time of notification, or the maximum amount you would have been entitled to access over the relevant period.
16 14. The bank s liability Except in the case of fraud or breach of these Conditions of Use by any of the Cardholders or the Business, the Bank will make good any direct loss you have incurred in relation to an electronic transaction: If the Card used was forged, faulty, cancelled, expired or had been issued by us in error to someone else As a result of malfunction of the EFTPOS system If fraud or negligence of the Bank s employees or another party to the EFTPOS system was involved. 15. If you think we have made a mistake If you believe that you have been charged in error, have lost money due to an error with the transaction processing through EBS, or wish to query any aspect of the Business card account statement, please contact the Bank. Please do this within 30 days of the closing date of the statement on which the transaction first appeared. Full details of the disputed transaction(s) will be required for us to investigate your complaint, (i.e. the name of the Cardholder and Business, Card number, exactly what happened and when, where the transaction was carried out, the amounts that are involved and what has been lost). A copy of the transaction record if available should also be supplied. The Bank will report to you within 21 days. Should the investigations take longer than that, the Bank will notify you and give you the reason for the delay. If the Bank is satisfied that your complaint is justified, the Bank will correct the situation. If, however, our investigations satisfy us that the Bank is not liable, we will advise you of our reasons in writing. If you do not agree with our conclusion, you have the right to invoke the Bank s internal complaint procedure by contacting the Credit Card Customer Relations Team. If you are not satisfied with the outcome of that procedure you may refer the matter directly to the Banking Ombudsman.
17 16. If you don t pay the business card account We have the right to recover outstanding Business card account payments from any other account you may have with the Bank, including accounts held in the name of the Business or either Cardholder, or joint accounts, and to debit any outstanding balance on those accounts to the Business card account. Business card account balances will be secured by any present or future securities given by you (whether severally or jointly) to the Bank. Any legal fees or other costs which the Bank may incur in recovering amounts properly payable by you to the Bank may be debited to the Business card account. 17. Termination If you no longer wish to use your Card, cut it in half and return both halves to the Bank. The Bank may cancel your Card at any time without notice or refuse to renew or replace your Card. If either party ends this Agreement, you will still be responsible for any transactions made up to that time, and the outstanding balance of the credit card account will immediately become due and payable. You are also responsible for the cancellation of any payments you have authorised to any third parties from this credit card account. Failure to cancel these transactions may result in valid transactions being applied to your account after closure date. If you become bankrupt or die, the Agreement will be at an end unless you have a joint Cardholder, in which case the Agreement will continue as though that Cardholder were the sole cardholder
18 18. Use of information Any information received from you will be securely held by the Bank and may be accessed and corrected under the Privacy Act The information may be used by the Bank to consider your application for facilities, products or services or any future applications for facilities, products or services. The information may be used to administer, manage and monitor any facilities, products or services provided to you and conduct market research, data processing and statistical analysis. Unless you disagree, the information may also be used to provide you with information about other facilities, products or services including selected third party products or services. You are entitled to advise the Bank in writing that you do not wish to receive information about other facilities or services (apart from those of Visa or MasterCard). The Bank may disclose information about you to its agents or contractors for the above purposes. The Bank may also disclose information about you to credit reference agencies for the purpose of obtaining a credit report on you. Those credit reference agencies may retain that information and provide it to their customers who use their credit reporting services. If you default in any obligations to the Bank then information about you may be disclosed to credit reference or debt recovery agencies and retained by them. Those agencies may provide that information to their customers who use their credit reporting services. The Bank may obtain information and make such enquiries about you as it considers warranted from any source including credit reference agencies for the above purposes. Certain laws also require us to disclose your information on request, for example the Tax Administration Act If we receive a request from certain agencies to release your information, we may not be able to tell you that the request has been received. We may also disclose information to the police, certain government agencies or other financial institutions where we reasonable believe that the disclosure will assist in the investigation, detection and/or prevention of fraud or other criminal offences, such as money laundering.
19 ANZ is subject to anti-money laundering and terrorist legislation in force in New Zealand and other countries. You agree to provide all information to ANZ which it reasonably requires to comply with these laws Anti-money laundering and terrorist financing legislation in force in New Zealand and other countries may also prohibit us from entering or concluding transactions which involve certain countries, persons or entities. As a result, you agree that ANZ may: (a) delay or block any transactions, or refuse to pay any money, without incurring any liability, or (b) disclose any information concerning you on the transaction to the New Zealand Police, or any relevant authority in any country, in order to ascertain whether the laws of that country apply to a transaction or otherwise in compliance with those laws that aim to prevent or detect terrorist financing or money laundering, in the reasonable belief that the transaction may contravene those laws and ANZ will not incur any liability to you as a result of that action. 19. Changes to conditions of use The Bank may change these Conditions at any time. If the change increases your liability for losses, or changes the periodic transaction limits applying to the Card, at least 30 days prior written notice of the change will be given to the address of the Business. For any other changes, advice will be given either in writing, by public notice, or through notices posted in the Bank s branches. 20. Fees You agree to pay all fees and charges (including any governmental charges) as advised by the Bank from time to time which relate to the use of the Card. The Bank may debit any such fees or charges relating to the Business Card account to that account.
20 21. Transaction limits For the Business card account: There are no individual transaction limits for purchases. The Business card account may be used up to the full amount of the credit limit Overseas the Business card can be used at any ATM displaying the MasterCard mark to obtain a Cash Advance of the lesser of the available credit or up to NZ$3,000 per 24 hour period, beginning at midnight In New Zealand the Business card can be used at any ATM displaying the MasterCard mark to obtain a cash advance of the lesser of the available credit or up to NZ$2,000 per 24 hour period, beginning at midnight The minimum Cash Advance available in New Zealand is $20. Different minimum and maximum amounts may be imposed by other institutions especially when Cash Advances are taken from ATMs. 22. Overseas card use Optional service As an additional optional service, you may choose to use your Card with MasterCard affiliation in ATMs outside New Zealand that display the MasterCard logo and at merchants accepting MasterCard transactions. Fees apply for this service as explained below. Exchange rate selection When you use your Card outside New Zealand, your transactions will be converted into New Zealand dollars at a rate of exchange set by MasterCard. MasterCard set exchange rates by reviewing wholesale buy and sell exchange rates from various sources, and approving and confirming them for each processing day. Please note that the date of processing will not necessarily be the date the transaction occurs. There may be differences in the conversion rate for credits and debits on the same day due to the different buy or sell rates used by MasterCard.
21 Foreign currency conversion MasterCard transactions (apart from those originating in the US) will firstly be converted to US dollars and then converted to New Zealand dollars Currency conversion charges Currency conversion charges apply to foreign currency transactions. Foreign currency debit transactions (e.g. purchases or Cash Advances): ANZ applies a currency conversion charge to all MasterCard foreign currency transactions debited from your account. Foreign currency credit transactions (e.g. refunds): For MasterCard foreign currency credit transactions, no currency conversion charge is applied. In the case of refunds, all currency conversion charges incurred on the original debit transaction are refunded and credited to your account. There may be differences between the original charge and the refund due to different buy or sell exchange rates used by MasterCard and changes in the exchange rate since the time of the original purchase. Further details of the charges are contained in the ANZ Business MasterCard Fee Schedule at the back of these Conditions of Use. The currency conversion charge will be shown with your transaction on your account statement, for example: Edna s Store Florida (US$ 0.500) NZ$ (Incl Currency Conversion Charge NZ$5.00) Use of your Card overseas may be subject to exchange controls and/or other government requirements. Compliance with these requirements is your responsibility. Individual service providers may determine the type of transactions permitted, the transaction limits and may charge a fee for using their ATMs or for making over the counter cash advances.
22 23. Time of use The Card can be used at any ATM 24 hours daily or such other operating hours as stipulated by service providers. EFTPOS is accessible 24 hours daily but its availability will be determined by merchants through their own hours of trading and methods of operation. The processing date of any particular transaction debited to the Business card account from an EFTPOS terminal will depend on the time of day that the particular terminal changes over to the next banking day. EBS transactions effected at any time within a day may appear on the account under that same date if it is a banking day, but otherwise under the date of the next banking day. 24. Replacement cards We will send the Cardholder a new Card when the current one expires. If the current Card has been lost, stolen or damaged, a new Card will be issued to the Cardholder should it be requested. The Bank may charge a replacement fee for lost or damaged Cards. 25. Phone Banking Phone Banking permits access to your Account by using a touchtone push-button telephone, your customer number and your five digit PIN. Phone Banking may be used for carrying out various transactions, details of which are fully set out in the Ways to Bank brochure (as amended by the Bank from time to time). You agree to comply with the procedures and guidelines set out in that Guide. The Bank may determine the priority in which payments are made from your account and the Bank will not be responsible for ensuring that sufficient funds are available or for making payments in the event that there are insufficient funds in your account.
23 To the extent permitted by law, the Bank will not be liable for any direct or indirect loss or damage suffered in relation to your use of or inability to access Phone Banking at any time or for the failure or delay in providing access to Phone Banking by the Bank or any third party. You agree to indemnify the Bank against all actions, claims, costs, expenses, losses and liabilities that are in any way related to the Bank acting on instructions received through Phone Banking with your corresponding customer number and your five digit PIN, whether authorised by you or not. The Bank may, as part of its security procedures, record and retain telephone instructions for a period of seven years. 26. Extended warranty The Bank has arranged for extended warranty cover to be provided by American Home Assurance Company ( Insurer ). The Policy: The Extended Warranty will cover any breakdown or failure of an item purchased by you using the ANZ Business MasterCard provided that the original manufacturer s warranty would have covered that breakdown or failure, and that the original warranty is applicable in New Zealand. The original manufacturer s warranty will be increased by the Extended Warranty as outlined in the following table Manufacturer s Warranty Extended Warranty Total Warranty Period* 6 months 6 months 12 months 12 months 12 months 24 months 24 months 12 months 36 months 36 months 12 months 48 months * The total of the Extended Warranty period and the original manufacturer s warranty period cannot exceed 48 months.
24 Exclusions There are some circumstances where Extended Warranty cover will not apply, these include: 1. The purchase of boats, automobiles, aeroplanes or any other motorised vehicles and their integral parts 2. The purchase of items with a purchase price exceeding $10, The purchase of items with a manufacturer s warranty exceeding 36 months 4. Items without an original manufacturer s serial number 5. Bodily injury, property damages, consequential damages, punitive damages, exemplary damages and attorneys fees. There are also some costs/events that are not covered by the Extended Warranty. These are: 6. Any costs relating to damage to items caused by accident, neglect, abuse, wilful act, misuse, sand, theft, water damage, corrosion, battery leakage or acts of God 7. Any costs related to problems or malfunctions caused by unauthorised modifications or failure to follow the manufacturer s installation, operation or maintenance instructions 8. Any failure, malfunction, defect, inoperability, breakdown or shortage of any item caused by, arising from or related to, directly, or indirectly any design, planning or engineering compatibility, omission or deficiency with the incidence of Year Any costs relating to damage to items that have been used contrary to the operating instructions and/or guidelines on recommended use as issued by the manufacturer, supplier or any of their agents 10. Any costs other than parts and/or labour costs resulting from a breakdown or failure or any costs relating to a part or circumstance not otherwise covered by the manufacturer s warranty 11. Any other obligations and costs other than those specifically covered under the terms of the manufacturer s warranty.
25 Claim excess An excess applies to every claim under the Extended Warranty cover. The Extended Warranty excess is currently set at $100 per claim, and may be amended from time to time Limits of liability The maximum limit of liability available through the Extended Warranty is NZ$10,000 per annum per Business card account. You cannot receive more than the purchase price of the covered product recorded in the credit card receipt. The Insurer may elect to repair, rebuild, or replace the covered product with a product of similar quality or pay cash for the covered product, not exceeding the original item s purchase price. False claims If you make any claim knowing it to be false or fraudulent in any respect, you will no longer be entitled to the benefits of this cover or to the payment of any claim made under the Extended Warranty cover. Termination The Extended Warranty cover can be terminated by the Bank at any time on reasonable notice. Claims The Cardholder must maintain copies of ANZ Business MasterCard receipts, store receipts and the original manufacturer s warranty. If you have an Extended Warranty claim call 0800 Warranty (927726) or write to International Underwriters Limited ( Administrator ): International Underwriters Limited (IUL) PO Box 74562, Market Road, AUCKLAND If you have a claim, you must notify the Administrator promptly and in any event within 45 days of learning of the occurrence giving rise to the claim. Privacy To take advantage of this Extended Warranty cover, you authorise the Bank to provide as much of your personal information held by the Bank as necessary for the Insurer and Administrator to administer the Extended Warranty cover.
26 Fee schedule ANZ Business MasterCard Standard Fees Account fee (No charge for additional cards) Application fee No charge No charge Purchase fee $5 (maximum $10 per statement month) Cash advance fee Extended Warranty excess on each claim $5 (domestic and international) $ Non-Standard Fees Statement copy $3 per copy Dispute handling fee $15 Urgent card fee Replacement card Late payment fee (Applies if the minimum monthly payment is not paid by the payment due date) Over limit fee (Applies if you are over your credit card limit on your statement date) Courier fee (domestic and international) $10 per card $15 $15 Optional Service Fees Currency conversion charge (Applies to foreign currency transactions) Includes transactions through the MasterCard Maestro network. Other bank ATM fee (Applies to each transaction from current and savings accounts at ASB, BNZ, Kiwibank and Westpac ATMs. Charged in addition to normal transaction fees) 2.5% of the NZ$ amount $1
27 ANZ lending criteria, terms, conditions and fees apply, and are available from any ANZ branch. The details in this brochure are subject to change.
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ANZ Credit Card Conditions of Use Effective 9 December 2015 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your
Conditions of Use and Credit Guide Effective July 2014 Credit Guide GE Capital Finance Australia ABN 42 008 583 588, Australian Credit Licence Number 392145. This credit guide gives you some information
BUSINESS CHECK CARD AGREEMENT AND DISCLOSURE In this Pacific Continental Bank Business Check Card Agreement and Disclosure for business debit card(s) (this Agreement ), the words we, our, and us mean Pacific
GOLDFIELDS MONEY LTD VISA DEBIT CARD CONDITIONS OF USE Effective: 20 May 2015 These Conditions of Use take effect on and from 20/05/2015 except as otherwise advised in writing and replace all VISA Debit
Credit Card Conditions of Use Credit Guide. Effective Date: September 2015 This document contains the terms and conditions that apply to St.George Bank Business Visa Debit Card cardholders and to all transactions
ANZ Credit Card Conditions of Use CREDIT CARDS Effective AUgust 2014 Fiji Edition Important Notice This document does not contain all the pre-contractual information required to be given to you. Contact
As at 1 August 2015 VISA Card Conditions of Use These Conditions of Use take effect immediately except as otherwise advised in writing and replace all VISA Debit Card Conditions of Use previously issued.
Amplify Business Credit Card Conditions of Use. Effective: September 2015 This document does not contain all the terms of this agreement or all of the information we are required to give you before the
American Express Credit Card Terms & Conditions New Zealand July 2011 This booklet sets out the respective rights and obligations of you and American Express International (NZ), Inc. concerning the American
Our standard terms and conditions for Your Advanced Personal Loan. For loans approved on or after 6 June 2015 6 June 2015 Important Information The information set out below forms part of your disclosure
BNZ Platinum Visa credit card Terms and conditions. 1. Introduction and definitions 1.1 These Terms and Conditions are a contract between you and BNZ. They apply to the use of your Card, including where
Lombard Finance Pty Limited Phone: 1300 132 302 PO Box 6227, Baulkham Hills NSW 2153 ABN 31 099 651 877 Australian Credit Licence 247 415 V0312 Lombard Visa Card Account Conditions of Use Your contract
You should read carefully these Terms and Conditions and the Finance Conditions for the relevant Linked Facility and retain them for future reference. Copies of each of the documents can be made available
Credit Card Conditions of Use. Credit Guide. Effective Date: 20 May 2016 This document does not contain all the terms of this agreement or all of the information we are required by law to give you before
Amplify Business Conditions Credit Card of Conditions of Use Effective: 25 September November 2015 2014 This document does not contain all the terms of this agreement or all of the information we are required
first direct credit card terms 1 Definitions These are the definitions used in this Agreement: : a transfer to the Account of an amount you owe to another lender (who is not a member of the HSBC Group)
Go Home Loan Terms and Conditions Effective June 2014 THE FINE PRINT HOME LOANS CONTENTS PURPOSE OF THESE TERMS AND CONDITIONS 1 The purpose of these Terms and Conditions 4 Status of these Terms and Conditions
BNZ credit card terms and conditions. 11 September 2015 Important Information for new credit card customers When you first enter into your credit card contract with us, we are required to give you certain
Conditions of Use and Credit Guide Important details about your Gem Visa Effective March 2014 The way to pay with 0% interest 6 reasons you ll be saying it s a gem Booklet no. Enjoy 6 months interest free
Loan Contract Terms and Conditions booklet with: Mortgage conditions; and Direct Debit Request Service Agreement This booklet contains some of the terms and conditions that apply to a loan we offer Borrower(s)
Altitude Business Credit Cards Conditions of Use Effective 1 July 2014 Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises your credit limit and the precontractual
Business Vantage Visa Credit Card Conditions of Use 1 Effective Date: 20 May 2016 Business Vantage Visa Conditions of Use Bank of Melbourne This document does not contain all the terms of this agreement
Personal Banking Terms and Conditions Important things you should know This document also includes an ASB QFE Disclosure Statement. 3 August 2015 2 ASB QFE Disclosure Statement Financial Advisers Act 2008
Keep in touch Drop in to any ASB branch Call 0800 803 804 Visit asb.co.nz Visit us at facebook.com/asbbank Follow us on twitter.com/asbbank ASB Visa Platinum Credit Card Conditions of Use and Travel Insurance
ACCOUNT TERMS AND CONDITIONS Effective April 2013 Contents 1. Purpose of these Terms and Conditions The purpose of these Terms and Conditions... 1 Status of these Terms and Conditions... 1 Alteration of
SCOTIACARD CARDHOLDER AGREEMENT 1. DEFINITIONS Definitions you need to know: Act means the Electronic Transfer of Funds Crime Act, No. 87 of 2000 of the laws of the Republic of Trinidad and Tobago. Automated
Low Rate Visa Card Terms and Conditions This document forms part of your credit contract and should be read with the Credit Card Contract Schedule which also forms part of your credit contract. 1 Effective
Westpac Classic Visa Credit Card Westpac Business Visa Card Fiji Conditions of Use Effective February 2014 Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises both
Rothschild Visa Card Terms and Conditions These Rothschild Visa Card Terms and Conditions (June 2010 edition) are in addition to and supplemental to the Bank s standard Terms and Conditions (October 2007
7-Eleven Prepaid Visa Card TERMS AND CONDITIONS 03.2013 Terms & Conditions of the Card Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ( ANZ ), AFSL 234527 is the issuer of this 7-Eleven
Effective 20 July 2015 What you need to know about these terms and conditions This booklet sets out the terms and conditions that apply to the accounts, products, or services we provide. It includes information
FastNet Business Terms and Conditions. 31 August 2014 1. FastNet Business Internet Banking ( FastNet Business ) 1.1 These are the Terms and Conditions between you and us, which govern your use of FastNet
Macquarie Credit Cards Conditions Of Use EFFECTIVE NOVEMBER 2015 Important note: This booklet does not contain all the pre-contractual information we are required by law to give you before the agreement
Big Sky Visa Credit Card Conditions of Use These Conditions of Use are effective from 1 June 2015 except as otherwise advised in writing and replace all VISA Credit Card Conditions of Use previously issued.
COMMBANK CREDIT CARD CONDITIONS OF USE. How you can use your account. For all CommBank Personal Credit Cards and Business Credit Cards. 1 January 2015 CONTENTS Conditions of Use 1 Your contract with us
Foreign Currency Account & Foreign Currency Term Deposit Terms and Conditions Effective 1 April 2015 What you need to know about these terms and conditions This booklet sets out the terms and conditions
Great Wall International Debit Card (GWI Debit Card) Product Disclosure Statement and Conditions of Use Dated at 24 January 2013 Prepared by Bank of China (Australia) Limited ABN 28 110 077 622 AFS Licence
HSBC Premier Credit Card Agreement Terms HSBC Premier Credit Card Agreement Terms 1. Definitions These are the definitions used in this Agreement: Balance Transfer : a transfer to the Account of an amount
Actorcard Prepaid Visa Card Terms & Conditions These Terms & Conditions apply to your Actorcard prepaid Visa debit card. Please read them carefully. In these Terms & Conditions: "Account" means the prepaid
Prepaid Card Terms and Conditions These terms and conditions apply to your Prepaid Card. You must read them carefully. In these terms and conditions "you" means the named Prepaid Cardholder and the authorised
Conditions of Use for Westpac Debit MasterCard and Westpac Airpoints Debit MasterCard. As at 26 September 2015 Debit card Conditions of Use These Conditions of Use apply to the Westpac Debit MasterCard
Internet and Phone Banking Terms and Conditions and Important Information Effective Date: 20 March 2013 This booklet sets out terms and conditions for Bank of Melbourne Internet and Phone Banking, along
Visa Debit card product Conditions of Use Valid from 1 July 2014. These Conditions of Use apply to the Visa Debit Card as issued by Police Financial Services Limited ABN 33 087 651 661 AFSL 240293 Australian
Electronic Funds Transfer Disclosure Agreement Your use of any EFT service offered by the Bank will be governed by this Disclosure and by any separate agreement or disclosure that also applies to the EFT
Page 1 / 9 General card terms for corporate customers Valid from 16.2.2014 1. Scope and definitions These General Terms and Conditions for Corporate Cards apply to cards issued by (referred to herein as
NAB Purchasing and Corporate Card Facility Terms and Conditions including general explanatory information Effective 25 June 2009 Contents Part A Terms and Conditions Definitions and interpretations 2 Cardholders
JETSTAR MASTERCARD AND JETSTAR PLATINUM MASTERCARD conditions OF USE EFFECTIVE 1 July 2012 Important note This booklet does not contain all the pre-contractual information we are required by law to give
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic
Code of Banking Code of Practice Banking FIFTH Practice 2012 EDITION FIFTH E D I T I O N 2012 nzba.org.nz Contents 1 introduction 3 1.1 This Code 3 1.2 Governing Principles and Objectives of the Code 4
Investec Credit Card Conditions Of Use Consumer Credit Only Investec Bank (Australia) Limited Abn 55 071 292 594 Effective 1 March 2014 Specialist Bank IMPORTANT NOTE This document does not contain all
Banking & Finance Policies and Procedures Manual (Extract) This extract comprises the sections of the Policies and Procedures Manual developed by the Banking & Financial Services Ombudsman which deal with:
American Express Credit Card Conditions, Privacy Statement, Credit Guide and Financial Services Guide January 2015 AU481693E American Express Australia Limited (ABN 92 108 952 085) Australian Credit License
In this Agreement the words you and your mean each and all of those who agree to be bound by this Agreement; Card means the VISA Credit Card and any duplicates, renewals, or substitutions that the Credit
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning
Business Charge Card and Business Credit Card DECEMBER 2014 CONTENTS 1. Use of Your Business Credit Card or Business Charge Card 3 2. Making and Stopping Payments 4 3. Payments and Statements 4 4. Refunds
HSBC Renminbi Business Credit Card Programme Agreement The following terms and conditions govern (a) the use by a Cardholder of a Business Card being an HSBC Renminbi Business Credit Card (a Card ) issued
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers