All applications for finance are subject to applicable lending criteria. No member of the Westpac Group accepts any liability for losses suffered as a result of conversion of currencies and any exchange risks from the conversion of currencies is the responsibility of the account/deposit holder. WinTrade terms and conditions apply as well as any terms and conditions applicable to the products and services accessed via WinTrade. Westpac WinTrade® is a registered trademark of Westpac Banking Corporation. The above products and services are provided by Westpac Banking Corporation ABN 33 007 457 141, incorporated in Australia (New Zealand division).