Common use of Your Right to Cancel Clause in Contracts

Your Right to Cancel. The Credit Contracts and Consumer Finance Act 2003 (if applicable) gives you a right for a short time after the terms of this contract have been disclosed to you to cancel the contract. How to cancel If you want to cancel the Agreement you must give written notice to Westpac NZ. You must also return to Westpac NZ any advance and any other property received by you in respect to the Agreement. Time limits for cancellation If the disclosure documents are: You must give notice that you intend to cancel within • handed to you directly 5 working days • sent to you by electronic means (for example, e-mail) 7 working days (from sending date) • mailed to you, 9 working days (from posting date) Saturdays, Sundays, and national public holidays are not counted as working days What you may have to pay if you cancel If you cancel the Agreement Westpac NZ may charge you: • the amount of any reasonable expenses Westpac NZ had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc.); and • interest for the period from the day you received the advance until the day you repay the advance in full as provided for in the Agreement. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that Westpac NZ is being unreasonable in any way, you should seek legal advice immediately. Unforeseen Hardship If you are in financial difficulty (for example, because of illness, injury, or loss of employment), it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, depending on your circumstances you may be able to make a hardship application. There are limits on when and how often you can make a hardship application. You can find out more information and obtain a Financial Hardship Application form in person at a branch, by telephone or on Westpac NZ’s website. Further details (including a branch locator tool) can be found at ▇▇▇▇▇▇▇.▇▇.▇▇. What to do if you have a complaint Your satisfaction is our priority so if you have any concern or problem, whatsoever, let us know, and we’ll do our best to resolve it right away. Westpac NZ is a member of the Banking Ombudsman Dispute Resolution Scheme. If you’re still unhappy after we’ve reviewed your complaint, and the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, then you may want to refer the matter to the Banking Ombudsman. Further details on Westpac NZ’s internal complaints process and the Banking Ombudsman’s Dispute Resolution Scheme are set out in Westpac NZ’s General Terms and Conditions. Financial Services Provider Registration Westpac NZ is a registered Financial Services Provider. You can find our registration details by searching for Westpac New Zealand Limited, registration number FSP35681 on the Financial Services Provider Register at ▇▇▇▇.▇▇▇▇.▇▇.

Your Right to Cancel. The Credit Contracts and Consumer Finance Act 2003 (if applicable) gives you a right for a short time after the terms of this contract the Agreement have been disclosed to you to cancel the contractAgreement. How to cancel If you want to cancel the Agreement you must give written notice to Westpac NZ. You must also return to Westpac NZ any advance and any other property received by you in respect to under the Agreement. Time limits for cancellation If the disclosure documents are: You must give notice that you intend to cancel within • handed to you directly 5 working days (from the date of the documents are • sent to you by electronic means (for example, e-mail) handed to you) • mailed to you, 7 working days (from sending date) • mailed to you, 9 working days (from posting date) Saturdays, Sundays, and national public holidays and the days in the period between 25 December and 2 January (inclusive) are not counted as working days for this purpose. What you may have to pay if you cancel If you cancel the Agreement Westpac NZ may charge you: • the amount of any reasonable expenses Westpac NZ had to pay in connection with the contract Agreement and its cancellation (including legal fees and fees for credit reports, etc.); and • interest interest, as provided for in the Agreement, for the period from the day you received the first advance until the day you repay the advance all advances in full as provided for in the Agreementfull. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 ▇▇▇ ▇▇▇▇ that you do not understand, if there is a dispute about your rights, or if you think that Westpac NZ is being unreasonable in any way, you should seek legal advice immediately. Unforeseen Hardship If you are in financial difficulty (for example, because of illness, injury, or loss of employment), it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003▇▇▇ ▇▇▇▇, depending on your circumstances you may be able to make a hardship application. There are limits on when and how often you can make a hardship application. You can find out more information and obtain a Financial Hardship Application form in person at a branch, by telephone or on Westpac NZ’s website. Further details (including a branch locator tool) can be found at ▇▇▇▇▇▇▇.▇▇.▇▇. SAMPLE What to do if you have a complaint Your satisfaction is our priority so if you have any concern or problem, whatsoever, let us know, and we’ll do our best to resolve it right away. Westpac NZ is a member of the Banking Ombudsman Dispute Resolution Scheme. If you’re still unhappy after we’ve reviewed your complaint, and the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003▇▇▇ ▇▇▇▇, then you may want to refer the matter to the Banking Ombudsman. You can contact the Banking Ombudsman using any of the following contact details: Phone: ▇▇▇▇ ▇▇▇▇▇▇ Email: ▇▇▇▇@▇▇▇▇▇▇▇.▇▇▇.▇▇ Address: Banking Ombudsman Freepost 218002 ▇▇ ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ Further details on Westpac NZ’s internal complaints process and the Banking Ombudsman’s Dispute Resolution Scheme are set out in Westpac NZ’s General Terms and Conditions. Financial Services Provider Registration Westpac NZ is a registered Financial Services Provider. You can find our registration details by searching for Westpac New Zealand Limited, registration number FSP35681 on the Financial Services Provider Register at ▇▇▇▇.▇▇▇▇.▇▇.

Your Right to Cancel. The Credit Contracts and Consumer Finance Act 2003 (if applicable) gives you a right for a short time after the terms of this contract the Agreement have been disclosed to you to cancel the contractAgreement. How to cancel If you want to cancel the Agreement you must give written notice to Westpac NZ. You must also return to Westpac NZ any advance and any other property received by you in respect to under the Agreement. Time limits for cancellation If the disclosure documents are: You must give notice that you intend to cancel within • handed to you directly 5 working days (from the date of the documents are • sent to you by electronic means (for example, e-mail) handed to you) • mailed to you, 7 working days (from sending date) • mailed to you, 9 working days (from posting date) Saturdays, Sundays, and national public holidays and the days in the period between 25 December and 2 January (inclusive) are not counted as working days for this purpose. What you may have to pay if you cancel If you cancel the Agreement Westpac NZ may charge you: • the amount of any reasonable expenses Westpac NZ had to pay in connection with the contract Agreement and its cancellation (including legal fees and fees for credit reports, etc.); and • interest interest, as provided for in the Agreement, for the period from the day you received the first advance until the day you repay the advance all advances in full as provided for in the Agreementfull. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that Westpac NZ is being unreasonable in any way, you should seek legal advice immediately. Unforeseen Hardship If you are in financial difficulty (for example, because of illness, injury, or loss of employment), it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, depending on your circumstances you may be able to make a hardship application. There are limits on when and how often you can make a hardship application. You can find out more information and obtain a Financial Hardship Application form in person at a branch, by telephone or on Westpac NZ’s website. Further details (including a branch locator tool) can be found at ▇▇▇▇▇▇▇.▇▇.▇▇. App No: XXXXXXXXXX Ref No: ▇▇▇▇▇▇▇▇▇▇.▇▇▇ Westpac New Zealand Limited Version No: OVDAGXXX SAMPLE What to do if you have a complaint Your satisfaction is our priority so if you have any concern or problem, whatsoever, let us know, and we’ll do our best to resolve it right away. Westpac NZ is a member of the Banking Ombudsman Dispute Resolution Scheme. If you’re still unhappy after we’ve reviewed your complaint, and the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, then you may want to refer the matter to the Banking Ombudsman. You can contact the Banking Ombudsman using any of the following contact details: Phone: ▇▇▇▇ ▇▇▇▇▇▇ Email: ▇▇▇▇@▇▇▇▇▇▇▇.▇▇▇.▇▇ Address: Banking Ombudsman Freepost ▇▇▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ Further details on Westpac NZ’s internal complaints process and the Banking Ombudsman’s Dispute Resolution Scheme are set out in Westpac NZ’s General Terms and Conditions. Financial Services Provider Registration Westpac NZ is a registered Financial Services Provider. You can find our registration details by searching for Westpac New Zealand Limited, registration number FSP35681 on the Financial Services Provider Register at ▇▇▇▇.▇▇▇▇.▇▇.

Your Right to Cancel. The Credit Contracts and Consumer Finance Act 2003 (if applicable) gives you a right for a short time after the terms of this contract the Agreement have been disclosed to you to cancel the contractAgreement. How to cancel If you want to cancel the Agreement you must give written notice to Westpac NZ. You must also return to Westpac NZ any advance and any other property received by you in respect to under the Agreement. Time limits for cancellation If the disclosure documents are: You must give notice that you intend to cancel within • handed to you directly 5 working days (from the date of the documents are • sent to you by electronic means (for example, e-mail) handed to you) • mailed to you, 7 working days (from sending date) • mailed to you, 9 working days (from posting date) Saturdays, Sundays, and national public holidays and the days in the period between 25 December and 2 January (inclusive) are not counted as working days for this purpose. What you may have to pay if you cancel If you cancel the Agreement Westpac NZ may charge you: • the amount of any reasonable expenses Westpac NZ had to pay in connection with the contract Agreement and its cancellation (including legal fees and fees for credit reports, etc.); and • interest interest, as provided for in the Agreement, for the period from the day you received the first advance until the day you repay the advance all advances in full as provided for in the Agreementfull. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that Westpac NZ is being unreasonable in any way, you should seek legal advice immediately. Unforeseen Hardship If you are in financial difficulty (for example, because of illness, injury, or loss of employment), it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, depending on your circumstances you may be able to make a hardship application. There are limits on when and how often you can make a hardship application. You can find out more information and obtain a Financial Hardship Application form in person at a branch, by telephone or on Westpac NZ’s website. Further details (including a branch locator tool) can be found at ▇▇▇▇▇▇▇.▇▇.▇▇. App No: XXXXXXXXXX Ref No: ▇▇▇▇▇▇▇▇▇▇.▇▇▇ Westpac New Zealand Limited Version No: OVDAGXXX What to do if you have a complaint Your satisfaction is our priority so if you have any concern or problem, whatsoever, let us know, and we’ll do our best to resolve it right away. Westpac NZ is a member of the Banking Ombudsman Dispute Resolution Scheme. If you’re still unhappy after we’ve reviewed your complaint, and the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, then you may want to refer the matter to the Banking Ombudsman. You can contact the Banking Ombudsman using any of the following contact details: Phone: ▇▇▇▇ ▇▇▇▇▇▇ Email: ▇▇▇▇@▇▇▇▇▇▇▇.▇▇▇.▇▇ Address: Banking Ombudsman Freepost ▇▇▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ Further details on Westpac NZ’s internal complaints process and the Banking Ombudsman’s Dispute Resolution Scheme are set out in Westpac NZ’s General Terms and Conditions. Financial Services Provider Registration Westpac NZ is a registered Financial Services Provider. You can find our registration details by searching for Westpac New Zealand Limited, registration number FSP35681 on the Financial Services Provider Register at ▇▇▇▇.▇▇▇▇.▇▇.

Your Right to Cancel. The Credit Contracts and Consumer Finance Act 2003 (if applicable) gives you a right for a short time after the terms of this contract the Agreement have been disclosed to you to cancel the contractAgreement. How to cancel If you want to cancel the Agreement you must give written notice to Westpac NZ. You must also return to Westpac NZ any advance and any other property received by you in respect to under the Agreement. Time limits for cancellation If the disclosure documents are: You must give notice that you intend to cancel within • handed to you directly 5 working days (from the date the documents are handed to you) • sent to you by electronic means (for example, e-mail) 7 working days (from sending date) • mailed to you, 9 working days (from posting date) Saturdays, Sundays, and national public holidays and the days in the period between 25 December and 2 January (inclusive) are not counted as working days for this purpose. What you may have to pay if you cancel If you cancel the Agreement Westpac NZ may charge you: • the amount of any reasonable expenses Westpac NZ had to pay in connection with the contract Agreement and its cancellation (including legal fees and fees for credit reports, etc.); and • interest interest, as provided for in the Agreement, for the period from the day you received the first advance until the day you repay the advance all advances in full as provided for in the Agreementfull. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that Westpac NZ is being unreasonable in any way, you should seek legal advice immediately. Unforeseen Hardship If you are in financial difficulty (for example, because of illness, injury, or loss of employment), it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, depending on your circumstances you may be able to make a hardship application. There are limits on when and how often you can make a hardship application. You can find out more information and obtain a Financial Hardship Application form in person at a branch, by telephone or on Westpac NZ’s website. Further details (including a branch locator tool) can be found at ▇▇▇▇▇▇▇.▇▇.▇▇. What to do if you have a complaint Your satisfaction is our priority so if you have any concern or problem, whatsoever, let us know, and we’ll do our best to resolve it right away. Westpac NZ is a member of the Banking Ombudsman Dispute Resolution Scheme. If you’re still unhappy after we’ve reviewed your complaint, and the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, then you may want to refer the matter to the Banking Ombudsman. You can contact the Banking Ombudsman using any of the following contact details: Phone: ▇▇▇▇ ▇▇▇ ▇▇▇ Email: ▇▇▇▇@▇▇▇▇▇▇▇.▇▇▇.▇▇ Address: Banking Ombudsman Freepost ▇▇▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ Further details on Westpac NZ’s internal complaints process and the Banking Ombudsman’s Dispute Resolution Ombudsman Scheme are set out in the Westpac NZ’s NZ General Terms and Conditions. Financial Services Provider Registration Westpac NZ is a registered Financial Services Provider. You can find our registration details by searching for Westpac New Zealand Limited, registration number FSP35681 on the Financial Services Provider Register at ▇▇▇▇.▇▇▇▇.▇▇.

Your Right to Cancel. The Credit Contracts and Consumer Finance Act 2003 (if applicable) gives you a right for a short time after the terms of this contract have been disclosed to you to cancel the contract. How to cancel If you want to cancel the Agreement you must give written notice to Westpac NZ. You must also return to Westpac NZ any advance and any other property received by you in respect to the Agreement. SAMPLE Time limits for cancellation If the disclosure documents are: You must give notice that you intend to cancel within • handed to you directly 5 working days • sent to you by electronic means (for example, e-mail) 7 working days (from sending date) • mailed to you, 9 working days (from posting date) Saturdays, Sundays, and national public holidays are not counted as working days What you may have to pay if you cancel If you cancel the Agreement Westpac NZ may charge you: • the amount of any reasonable expenses Westpac NZ had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etc.); and • interest for the period from the day you received the advance until the day you repay the advance in full as provided for in the Agreement. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 ▇▇▇ ▇▇▇▇ that you do not understand, if there is a dispute about your rights, or if you think that Westpac NZ is being unreasonable in any way, you should seek legal advice immediately. Unforeseen Hardship If you are in financial difficulty (for example, because of illness, injury, or loss of employment), it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003▇▇▇ ▇▇▇▇, depending on your circumstances you may be able to make a hardship application. There are limits on when and how often you can make a hardship application. You can find out more information and obtain a Financial Hardship Application form in person at a branch, by telephone or on Westpac NZ’s website. Further details (including a branch locator tool) can be found at ▇▇▇▇▇▇▇.▇▇.▇▇. What to do if you have a complaint Your satisfaction is our priority so if you have any concern or problem, whatsoever, let us know, and we’ll do our best to resolve it right away. Westpac NZ is a member of the Banking Ombudsman Dispute Resolution Scheme. If you’re still unhappy after we’ve reviewed your complaint, and the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003▇▇▇ ▇▇▇▇, then you may want to refer the matter to the Banking Ombudsman. Further details on Westpac NZ’s internal complaints process and the Banking Ombudsman’s Dispute Resolution Scheme are set out in Westpac NZ’s General Terms and Conditions. Financial Services Provider Registration Westpac NZ is a registered Financial Services Provider. You can find our registration details by searching for Westpac New Zealand Limited, registration number FSP35681 on the Financial Services Provider Register at ▇▇▇▇.▇▇▇▇.▇▇.

Your Right to Cancel. If you are a “consumer” (an individual buying insurance wholly or mainly for purposes unrelated to their trade business of profession) then you usually have the legal right to cancel a policy within 14 days of receiving the full policy terms and conditions. This timescale may vary depending on the policy purchased but the terms will be explained in your policy documents. The Credit Contracts and Consumer Finance Act 2003 (if applicable) gives you right of a right consumer to cancel a policy does not apply: • If an incident has occurred within those 14 days, where a claim is or could be made, including by someone else; • To policies of less than one month in duration, such as short-term travel insurance. A charge may apply for the period of cover provided and, in addition, we may make an administration charge as detailed above. If You cancel a short time credit agreement You will need to repay any sums provided in full. If You cancel after the terms of this contract have been disclosed to you 14 days has elapsed, short-period cancellation rates apply. If You wish to cancel a policy You must advise us in writing, prior to expiry of the contract14-day cancellation period, to our usual office address. How As part of our service, we will assist You with any claim You need to cancel make and tell You what Your responsibilities are in relation to making claims. All incidents which could lead to a claim must be reported as soon as practicable. Please refer to your policy documents if you need to report a claim. You should contact us or the insurer direct as soon as you become aware of any incident which could give rise to a claim. Your insurer’s claims contact number is shown in Your policy documents. If you want do not tell your insurer of an incident that could give rise to cancel claim promptly, your insurer may refuse to deal with your claim or reduce the Agreement amount that you must give written notice to Westpac NZmay receive from them. You must also return to Westpac NZ any advance and any other property received by notify insurers of all incidents even if you in respect to the Agreement. Time limits for cancellation If the disclosure documents are: You must give notice that think you intend to cancel within • handed to you directly 5 working days • sent to you by electronic means (for example, e-mail) 7 working days (from sending date) • mailed to you, 9 working days (from posting date) Saturdays, Sundays, and national public holidays are not counted as working days What liable or at fault. Your policy(ies) may also be subject to claims notification conditions and/or warranties. If you fail to comply with these, it may mean a claim will not be paid. Therefore, in the event of an incident that may give rise to a claim, please refer to your policy wording to check for such conditions or warranties. We do not accept liability for any unpaid claims amounts if an insurer becomes insolvent or delays making settlement. The insurers we use are regulated and are required to have adequate capital resources. We will endeavour to check the financial security of all insurers. We will do this by using industry rating agencies information where it is available. However, we cannot guarantee the future solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims or may be unable to pay them in full and you may have to pay if you cancel If you cancel the Agreement Westpac NZ may charge you: • the amount of any reasonable expenses Westpac NZ had a further premium to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports, etcalternative insurance cover.); and • interest for the period from the day you received the advance until the day you repay the advance in full as provided for in the Agreement. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that Westpac NZ is being unreasonable in any way, you should seek legal advice immediately. Unforeseen Hardship If you are in financial difficulty (for example, because of illness, injury, or loss of employment), it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, depending on your circumstances you may be able to make a hardship application. There are limits on when and how often you can make a hardship application. You can find out more information and obtain a Financial Hardship Application form in person at a branch, by telephone or on Westpac NZ’s website. Further details (including a branch locator tool) can be found at ▇▇▇▇▇▇▇.▇▇.▇▇. What to do if you have a complaint Your satisfaction is our priority so if you have any concern or problem, whatsoever, let us know, and we’ll do our best to resolve it right away. Westpac NZ is a member of the Banking Ombudsman Dispute Resolution Scheme. If you’re still unhappy after we’ve reviewed your complaint, and the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, then you may want to refer the matter to the Banking Ombudsman. Further details on Westpac NZ’s internal complaints process and the Banking Ombudsman’s Dispute Resolution Scheme are set out in Westpac NZ’s General Terms and Conditions. Financial Services Provider Registration Westpac NZ is a registered Financial Services Provider. You can find our registration details by searching for Westpac New Zealand Limited, registration number FSP35681 on the Financial Services Provider Register at ▇▇▇▇.▇▇▇▇.▇▇.

Your Right to Cancel. The Credit Contracts and Consumer Finance Act 2003 (if applicable) gives you a right for a short time after the terms of this contract the Agreement have been disclosed to you to cancel the contractAgreement. How to cancel If you want to cancel the Agreement you must give written notice to Westpac NZ. You must also return to Westpac NZ any advance and any other property received by you in respect to under the Agreement. Time limits for cancellation If the disclosure documents are: You must give notice that you intend to cancel within • handed to you directly 5 working days (from the date of the documents are • sent to you by electronic means (for example, e-mail) handed to you) • mailed to you, 7 working days (from sending date) • mailed to you, 9 working days (from posting date) Saturdays, Sundays, and national public holidays and the days in the period between 25 December and 2 January (inclusive) are not counted as working days for this purpose. What you may have to pay if you cancel If you cancel the Agreement Westpac NZ may charge you: • the amount of any reasonable expenses Westpac NZ had to pay in connection with the contract Agreement and its cancellation (including legal fees and fees for credit reports, etc.); and • interest interest, as provided for in the Agreement, for the period from the day you received the first advance until the day you repay the advance all advances in full as provided for in the Agreementfull. This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that Westpac NZ is being unreasonable in any way, you should seek legal advice immediately. Unforeseen Hardship If you are in financial difficulty (for example, because of illness, injury, or loss of employment), it is important that you don’t ignore the problem. Contact us as soon as possible if you are having problems meeting your repayments or think that you may experience difficulty doing so in the near future. If the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, depending on your circumstances you may be able to make a hardship application. There are limits on when and how often you can make a hardship application. You can find out more information and obtain a Financial Hardship Application form in person at a branch, by telephone or on Westpac NZ’s website. Further details (including a branch locator tool) can be found at ▇▇▇▇▇▇▇.▇▇.▇▇. SAMPLE What to do if you have a complaint Your satisfaction is our priority so if you have any concern or problem, whatsoever, let us know, and we’ll do our best to resolve it right away. Westpac NZ is a member of the Banking Ombudsman Dispute Resolution Scheme. If you’re still unhappy after we’ve reviewed your complaint, and the Agreement is a consumer credit contract for the purposes of the Credit Contracts and Consumer Finance Act 2003, then you may want to refer the matter to the Banking Ombudsman. You can contact the Banking Ombudsman using any of the following contact details: Phone: ▇▇▇▇ ▇▇▇▇▇▇ Email: ▇▇▇▇@▇▇▇▇▇▇▇.▇▇▇.▇▇ Address: Banking Ombudsman Freepost ▇▇▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇ Further details on Westpac NZ’s internal complaints process and the Banking Ombudsman’s Dispute Resolution Scheme are set out in Westpac NZ’s General Terms and Conditions. Financial Services Provider Registration Westpac NZ is a registered Financial Services Provider. You can find our registration details by searching for Westpac New Zealand Limited, registration number FSP35681 on the Financial Services Provider Register at ▇▇▇▇.▇▇▇▇.▇▇.