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Disclaimer and Terms of Use

Due to legal restrictions, your use of the following website pages is subject to acceptance by you of the following terms:

General

The material on this web page and the web pages accessed through this web page (together, the “Website”) does not constitute an offer, invitation, inducement, solicitation or recommendation to subscribe for or purchase any security (including, without limitation, as any of those terms are defined or used in the United States Securities Act of 1933, as amended, (the “US Securities Act”), the New Zealand Financial Markets Conduct Act 2013 (the “NZ FMCA”), the UK Financial Services and Markets Act 2000 (the “FSMA”) or the Australian Corporations Act 2001 (the “Corporations Act”)). This Website shall not form the basis of any contract or commitment whatsoever. No sale of any securities described on this Website will occur in any jurisdiction in which such offer, invitation, inducement, solicitation, recommendation or sale would be unlawful.

The material on this Website is for distribution only to sophisticated investors, professional investors or other investors for whom disclosure is not required under Part 6D.2 or Chapter 7 of the Corporations Act, are not “retail clients” within the meaning of section 761G of the Corporations Act and, in all cases, in such circumstances as may be permitted by applicable law in any jurisdiction in which an investor may be located. Each person accessing this Website confirms that they are a person who is entitled to do so under all applicable laws, regulations and directives in all applicable jurisdictions.

Neither Westpac Banking Corporation (ABN 33 007 457 141) (“Westpac”) nor any of its related bodies corporate (together, the “Westpac Group”) warrants the fairness, accuracy, adequacy or completeness of any information contained in or referred to in the material on this Website. To the maximum extent permitted by law, neither Westpac nor any of the Westpac Group nor any of their respective directors, employees, agents or advisers accepts any liability whatsoever for any loss (including, without limitation, any liability arising from any fault or negligence on the part of Westpac or any of the Westpac Group or any of their respective directors, employees, agents or advisers) arising from the use of this material or otherwise arising in connection with the material on this Website.

 

Neither Westpac nor any of the Westpac Group shall be responsible for the content of any other site accessed via this Website - that information is the responsibility of the site owner and neither Westpac nor any of the Westpac Group have control over it. Links to other sites are provided for convenience only and do not represent any endorsement by Westpac or any of the Westpac Group of the products offered by the site owner. Westpac is acting solely in the capacity of a carrier of the information by conveying it directly or indirectly from the provider to you. Responsibility for the information remains entirely with the providers of that information.

 

This Website is of a general nature only and does not contain investment recommendations or advice. The information is not to be relied upon as being accurate, complete or up to date. All information is subject to change without notice. Westpac recommends that, before making any investment decision or otherwise acting upon information contained or referred to in this Website, investors should seek independent professional advice that takes into account their financial situation, investment objectives, particular needs and/or other personal circumstances. The information contained in this Website is not to be used for any purpose other than providing factual historical data and it is not to be construed as an indication or prediction of future results.

 

The information on this Website provided by Westpac or any of the Westpac Group was current as at the dates stated. Each user of this Website is responsible for ascertaining the accuracy of information sourced from or attributable to persons other than Westpac or any of the Westpac Group.

A credit rating is not a recommendation to buy, sell or hold securities and may be subject to suspension, cancellation, reduction or withdrawal at any time by the assigning rating agency.

In the United States

This Website is not directed to the United States or to U.S. persons (as defined in Regulation S under the US Securities Act) and any securities described on this Website have not been registered under the US Securities Act, and may not be offered, sold or delivered within the United States or to U.S. persons, absent registration or an available exemption from registration, under the US Securities Act. Due to legal restrictions, access to this Website is not available to residents of the United States.

In the United Kingdom

This Website is directed at persons who are (i) not retail investors or (ii) qualifying high net worth companies, unincorporated associations, trustees and other persons who fall within the exemption created by Article 49 of the UK Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the “FPO”) and within Article 19 of the FPO in the United Kingdom (“UK”) (each such person being a “United Kingdom Relevant Person”). The material on this Website and any securities described on this Website may not be offered, sold or otherwise made available to persons other than United Kingdom Relevant Persons. If you are a person of any other description, you should not access this Website nor act upon the material contained on this Website.

For these purposes, a retail investor means a person who is one (or more) of the following: (i) a retail client, as defined in point (8) of Article 2 of Regulation (EU) No 2017/565 as it forms part of the domestic law in the UK; (ii) a customer within the meaning of the provisions of the FSMA and any rules or regulations made under the FSMA to implement Directive (EU) 2016/97 in the UK, where that customer would not qualify as a professional client, as defined in point (8) of Article 2(1) of Regulation (EU) No. 600/2014 as it forms part of the domestic law in the UK; or (iii) not a qualified investor as defined in Article 2 of Regulation (EU) 2017/1129 as it forms part of domestic law in the UK.

In the European Economic Area

This Website is directed at persons who are not retail investors in the European Economic Area. The material on this Website and any securities described on this Website may not be offered, sold or otherwise made available to persons other than such persons. If you are a person of any other description, you should not access this Website nor act upon the material contained on this Website.

For these purposes, a retail investor means a person who is one (or more) of the following: (i) a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU (as amended, “MiFID II”); or (ii) a customer within the meaning of Directive (EU) 2016/97 (as amended), where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; or (iii) not a qualified investor as defined in Regulation (EU) 2017/1129 (as amended).

In New Zealand

The material on this Website is for distribution only to persons who are wholesale investors who are (i) an “investment business”, (ii) “large”, or (iii) a “government agency”, in each case as defined in clause 3(2) of Schedule 1 to the NZ FMCA. 

Important information: Westpac Securitisation Trust (“WST”) and Crusade Programmes

Notes issued under the WST Programme or the Crusade Programme (“Notes”) do not represent deposits or other liabilities of Westpac or associates of Westpac. The holding of Notes is subject to investment risk, including possible delays in repayment and loss of income and principal invested.

Neither Westpac nor any associate of Westpac in any way stands behind the capital value and/or performance of the Notes or the assets of any WST trust or Crusade trust except to the limited extent provided in the relevant transaction documents for that WST trust or Crusade trust.

None of Westpac, nor any issuer trustee, the servicer, the trust manager nor any other party guarantees the payment of interest or the repayment of principal due on any Notes.

None of the obligations of the trust manager of any WST trust or Crusade trust are guaranteed in any way by Westpac or any other associate of Westpac.

Important information: Westpac New Zealand Limited (“WNZL”) and Westpac Securities NZ Limited (“WSNZL”) Programmes

Notes issued under the WNZL and WSNZL Programmes (“WNZL or WSNZL Notes”) do not represent deposits or other liabilities of Westpac. The holding of WNZL or WSNZL Notes is subject to investment risk, including possible delays in repayment and loss of income and principal invested.

Westpac does not in any way stand behind the capital value and/or performance of the WNZL or WSNZL Notes.

Westpac does not guarantee the payment of interest or the repayment of principal due on any WNZL or WSNZL Notes.