Westpac’s current lending criteria apply. Fees and charges apply. For full details or more information visit your local branch. Association Package terms and conditions apply. Disclosure Statements under the Financial Advisers Act are available on request and free of charge from a Westpac Financial Adviser. You can get a copy of the current disclosure statement for Westpac New Zealand Limited and a copy of any applicable investment statement or term sheet for your investment from any Westpac branch in New Zealand free of charge. Westpac New Zealand Limited.