Things you need to know: The Westpac Government Employee Pac is only available directly from Westpac to permanent full or part-time employees of eligible employers who have their salary credited to a Westpac account. Westpac reserves the right to review and amend these benefits annually. Please refer to the relevant brochures or the Westpac website at westpac.co.nz for detailed information on each Westpac product or service mentioned. Westpac’s current applicable lending criteria apply. Package discounts not available in conjunction with other advertised offers. You can get a copy of the current disclosure statement for Westpac New Zealand Limited from a Westpac branch in New Zealand free of charge. Westpac’s credit card lending criteria apply to all applications and transfers. Westpac’s Conditions of Use for the applicable credit card apply. You must be a member of Air New Zealand’s Airpoints programme to be eligible to earn Airpoints Dollars™. Airpoints terms and conditions apply - see airnewzealand.co.nz/airpoints-terms-and-conditions for details. The Westpac PayTag terms and conditions as well as the terms and conditions relating to any cards or accounts that your Westpac PayTag will be linked to, apply. Westpac PayTag is a registered trade mark of Westpac Banking Corporation. MasterCard and the MasterCard Brand Mark are registered trade marks of MasterCard International Incorporated. hotpoints® is a registered trade mark of Westpac Banking Corporation. Hotpoints terms and conditions apply.

Westpac life insurance and home loan insurance products are arranged by Westpac New Zealand Limited (“Westpac”) and underwritten by Westpac Life-NZ-Limited (“Westpac Life”) which is a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited which is a wholly owned subsidiary of Westpac Banking Corporation ABN 33 007 457 141, incorporated in Australia. Home, Contents, Vehicle and Boat Cover insurance is arranged by Westpac and underwritten by Lumley General Insurance (N.Z.) Limited (“Lumley”). Neither Westpac Banking Corporation nor Westpac guarantees the obligations of, nor any products issued by Westpac Life or Lumley. Westpac will receive commission payments as a result of the arrangement of Lumley and Westpac Life insurance policies. Terms, conditions, exclusions and limits apply and more detail can be found in the relevant insurance policy document. The availability of any insurance cover is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted.

Investments made in the Westpac KiwiSaver Scheme (Scheme) do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac group of companies. The New Zealand Guardian Trust Company Limited (as trustee), or any director or nominee of any of those entities, or any other person guarantees the Scheme’s performance, returns or repayment of capital.

The information in this brochure is provided without taking into account your particular financial situation or goals. Because of this, you should, before acting on this information, consider its appropriateness, having regard to your particular financial situation or goals. We recommend that you contact your Westpac Financial Adviser if you would like further information regarding these products.

A disclosure statement for any Westpac authorised financial adviser is available on request and free of charge from that authorised financial adviser.

Westpac New Zealand Limited. JN13278

You could enjoy plenty of other benefits when you bank with Westpac tooLike our “Managing Your Money” workshops and online tutorial which can help you or the ones you care about learn better money-management skills.

And our Mobile Banking app for Apple and Android, which lets you do your banking while out and about. It even comes equipped with a “quick balance” feature so you can check your account balance at the touch of a button.

Plus by setting up Salary Splitter you can make managing money easier by automatically separating your savings from your everyday spending money. Talk to us about how this works and setting it up today.

We’re here to helpWith approximately 200 branches and 500 ATMs nationwide, plus Online, Mobile and Phone Banking services, no matter where you are and how you prefer to bank, we’ll be close at hand to help you with your personal banking needs.

First Name Surname Job Title

Phone: 06 834 3723 Mobile: 027 123 4567 Email: example@westpac.co.nz

GovernmentEmployee Pac

To find out more or to sign up, contact me today or pop into your local Westpac branch.

Home loansWe’ve made owning a home even easier with these great deals:

– discounts off Westpac’s standard published home loan interest rates for new lending

New lending amount $100,000+ $500,000+

Choices Fixed discount 0.25% p.a. 0.35% p.a.

Choices Floating discount 0.25% p.a. 0.35% p.a.

Choices Everyday Floating discount 0.50% p.a. 0.60% p.a.

– a contribution of $1,000 towards legal and other professional fees on home loans over $100,000

– no establishment fee when you apply for a Choices home loan – saving you up to $400

– no re-documentation fee if you change or renew your Choices home loan to a fixed, capped or floating rate loan – saving you up to $250

*Loan to Value Ratio (LVR) and other eligibility and lending criteria apply to all home loan lending

InvestmentsWe can help you find the right investment solution and help you secure a better financial future:

– 50% off the implementation fee (if there is one) for the relevant Westpac or BT Funds Management (NZ) Limited managed fund product/service recommended by a Westpac Financial Adviser

Westpac KiwiSaver SchemeYou can also choose to join the Westpac KiwiSaver Scheme, if you’re eligible.You’ll enjoy these great features:

– view your balance online with Westpac Online Banking – choose from a range of investment options– hotpoints® earned on eligible Westpac credit cards can be

converted to contributions to the Westpac KiwiSaver Scheme.

You can find further information about the Westpac KiwiSaver Scheme (including the investment statement) at westpac.co.nz/kiwisaver or by phoning 0508 972 254.

BT Funds Management (NZ) Limited is the scheme provider and Westpac New Zealand Limited is the distributor of the Westpac KiwiSaver Scheme

* Other fees/charges may apply. For full details please refer to our latest price list, available from any Westpac branch free of charge

With Westpac’s Government Employee Pac you’re in for some special treatmentHard work deserves its rewards so we’ve got together with your employer to create the ‘Government Employee Pac’. This means that as a government employee, you can enjoy special treatment on almost every aspect of your personal banking.

As an added benefit, you can make an appointment with us at your workplace and we’ll come to you.

Whether we meet you at your place or ours, we’ll work together to help you achieve your financial goals. So, sit back and relax because we’ve got your banking sorted.

Direct credit your Government salary to a Westpac transaction account and you could be eligible for these great benefits.

Day-to-day bankingReady to get your everyday banking sorted? These great deals can help:

– no monthly account maintenance fees on a Westpac Electronic account*

– a Debit MasterCard® with the annual fee waived for the first two years

– free first issuance of a Westpac PayTag for contactless payments under $80, linked to your Debit or Credit MasterCard®

– an additional 0.1% interest on standard Westpac rates for any online savings account

Credit cardsKeen to buy the things you need now and pay them off in a flexible way later? Check out our great offers on new credit cards:

– annual fee waived for the first two years on a Low Rate MasterCard® or one of our Airpoints or hotpoints® MasterCard® (including Platinum)†, saving up to $290*

– an additional card with the fee waived for the first year if applied for at the time of original card application

†Excludes all World MasterCards.

Personal loansNeed some money to buy a new car or go on holiday? Or do you just want to consolidate your debt to have just one easy repayment? These deals can help when you take out a new loan:

– a discount of 3% off Westpac’s standard personal loan interest rate

– no establishment fee when you apply for a personal loan – saving you up to $250*

Westpac’s current applicable lending criteria apply. An additional fee or higher interest rate may apply to loans if the loan application is accepted but doesn’t meet Westpac’s standard lending criteria.

InsuranceMake sure that you and the things you’ve worked hard for are protected. We’ve got you covered:

– a 10% discount on home, contents, vehicle and boat cover insurance premiums^

– a 7.5% discount on your life and home loan insurance premiums

^ The 10% discount does not apply to the Earthquake and Fire Service levies and GST elements of the insurance premiums

Special treatment and savings on your personal banking