Refer to the relevant website pages for detailed information on each Westpac product or service mentioned. Terms, conditions, fees and charges apply to Westpac products and services. Applications for finance are subject to Westpac’s current lending criteria. You can get a copy of the current disclosure statement for Westpac New Zealand Limited and any applicable investment statement or term sheet for your investment from any Westpac branch in New Zealand free of charge. Disclosure Statements under the Financial Advisers Act are available on request and free of charge from a Westpac Financial Adviser.