No member of the Westpac group accepts any liability for losses suffered as a result of the conversion of currencies and any exchange risks from the conversion of currencies is the responsibility of the account/deposit holder. Terms and conditions apply and may vary from time to time. Most of the above products and services are provided by Westpac Banking Corporation ABN 33 007 457 141, incorporated in Australia (New Zealand division). Some products and services may be provided by Westpac New Zealand Limited. Any product or service made available by Westpac New Zealand Limited does not represent an offer from Westpac Banking Corporation or any of its subsidiaries (other than Westpac New Zealand Limited). Neither Westpac Banking Corporation nor its other subsidiaries guarantee or otherwise support the offer or the performance of Westpac New Zealand Limited. Westpac New Zealand is not an authorised deposit- taking institution for the purposes of Australian prudential standards. For more information or a copy of the Product Disclosure Statement for any product which a Product Disclosure Statement is required, you can find our Product Disclosure Statements on the disclosure register. You can get a copy of the current disclosure statement for Westpac New Zealand Limited or Westpac Banking Corporation from any branch in New Zealand free of charge.