•  loanProtection
    Key Value
    loanProtectionText1

    Personal Loan Protection is optional insurance that helps cover your repayments if you suddenly lose your job or have to stop working because you\u0027re sick or injured. It covers up to $100\u002C000 of balance owing on your personal loan if you die. The premium is included as part of the amount you borrow and so is covered in your personal loan repayments.

    loanProtectionText2 Please read the detail before deciding.
    loanProtectionText3 Personal Loan Protection Product Disclosure Statement and policy wording (PDS).
    loanProtectionText4 and
    loanProtectionText5 Financial Services Guide (FSG)
    loanProtectionText6 Personal Loan Protection is issued by the insurers who are Westpac General Insurance Limited ABN 99 003 719 319 \u0028WGIL\u0029 and Westpac Life Insurance Services Limited ABN 31 003 149 157 \u0028WLIS\u0029 each of which is liable for seperate risks under the terms of the policy. This insurance product is distributed by Westpac Banking Corporation ABN 33 007 457 141 \u0028the Bank\u0029. The policy is not an investment in or deposit with the bank. No Westpac Group company \u0028other than the Bank as policy distributor and WGIL and WLIS as the product issuers\u0029 has any liability in connection with the policy or this document. The bank does not guarantee payments under the policy. Up to 20% of your premium payments \u0028after goverment charges have been deducted\u0029 may be paid to the bank or its related bodies corporate. Any advice we may provide on this product is general in nature\u002C and does not take into account your personal objectives\u002C financial situation or needs.
    You should therefore consider the information in the Product Disclosure Statement and Financial Service Guide.
    loanProtectionText7

    Eligibility\u003A You\u0027re eligible to apply if you work at least 15 hours per week in paid employment.

    Conditions\u002C limits and exclusions apply. These are explained in the policy wording
    loanProtectionStaffText8 Introduce PLRP by presenting a copy of the
    loanProtectionStaffText9 Product Disclosure Statement \u0028PDS\u0029
    loanProtectionStaffText10 Financial Services Guide \u0028FSG\u0029
    loanProtectionStaffText11 to the customer.
    loanProtectionStaffText12 Discuss the benefits and exclusions of PLP - refer to PDS for details
    loanProtectionStaffText13 Tell the customer - \"The advice I am providing is general in nature and you need to decide if it's right for you\".
    loanProtectionStaffText14 Are you working at least 15 hours per week?
    loanProtectionStaffText14A Are you working at least 15 hours per week, and do you have an email address?
    loanProtectionStaffText15 Did you know Westpac offers an optional insurance product that helps protect your Personal Loan repayment obligations?
    loanProtectionStaffText16 I confirm I have provided the customer a copy of the
    loanProtectionStaffText17 Banker to confirm customer eligibility for Personal Loan Repayment Protection
    loanProtectionStaffText18 Compliance check\u003A Ensure all information\u002C disclosures and general advice has been provided to the customer.
    loanProtectionStaffText19 Personal Loan Protection is issued by Westpac General Insurance Limited and Westpac Life Insurance Services Limited\u002C who are part of the Westpac Group. You can contact the insurers on 1300 369 989. The Bank can issue the insurance on behalf of the insurers\u002C but does not guarantee the insurance.
    loanProtectionStaffText20 The information we provide about Personal Loan Protection is of a general nature. You should read the PDS\u002Cto see if Personal Loan Protection is right for you. Up to 20% of your premium payments \u0028after government charges have been deducted\u0029 may be paid to the Bank or its related bodies corporate and your Westpac representative may receive bonuses based on sales.
    loanProtectionStaffText21 Are you okay if I give you some information about the product?
    loanProtectionStaffText22 If No, discontinue the PLP discussion, confirm the response below as \"No\"
    loanProtectionStaffText23 If Yes or No, proceed to ask customer
    loanProtectionStaffText24 If Yes, confirm response below, as \"Yes\"
    loanProtectionStaffText25 Provide the monthly repayment
    loanProtectionStaffText26 If Yes, proceed to ask the customer
    loanProtectionStaffText27 Explain the amount borrowed includes the premium, and the interest is payable on the premium
    loanProtectionStaffText28 Discuss the cooling off period with the customer
    loanProtectionStaffText29 without PLP
    loanProtectionStaffText30 and then
    loanProtectionStaffText31 with PLP
    loanProtectionStaffText32 Discuss detailed PLP product features, benefits and exclusions - refer to call flow for more information.
    loanProtectionStaffText33 Ask the customer if they would like to purchase PLP
    loanProtectionStaffText34 If yes, advise customer: \"The Personal Loan Protection Product Disclosure Statement sets out the terms and conditions of the policy and provides further details of its features and benefits, limits and exclusions. If your Personal Loan application is successful, the Personal Loan Protection Product Disclosure Statement and Financial Services Guide will also be sent to you with your loan documents. These documents contain important information; including details of our dispute resolution process and the 28 day cooling off period, please take some time to read them. A policy schedule will be included and the cooling off period commences when you receive this policy schedule\"
    loanProtectionStaffText35 If no. Confirm response below as No.
    loanProtectionStaffText36 Ask customer to consent to these arrangements.
    loanProtectionStaffText37 If yes. Confirm response below as Yes.
    Inform customer \"As you've requested Personal Loan Protection, the information you have provided will be used to issue and administer the policy.\"
    loanProtectionStaffText38 If no. Confirm response below as No.
    loanProtectionStaffText39 Inform the customer: \"Our Financial Services Guide is available online, at your nearest Branch or if you would like one forwarded to you, please call 1300 367 074\"
    loanProtectionStaffText40 Warning to Personal Banker
    loanProtectionStaffText41 If you have not discussed PLP with the customer, recorded the need and created an opportunity, you must select NO to PLP & go to Assets & Income
    loanProtectionStaffText1CCC Play Personal Loan Disclosure x64189
    loanProtectionStaffText2CCC Discuss the benefits and exclusions of PLP - refer to call flow for more information.
    loanProtectionStaffText3CCC Ask the customer if they would like a quote with PLP?
    loanProtectionStaffText4CCC If yes, advise the customer that you need to email them a copy of the PDS and FSG
    loanProtectionStaffText5CCC If no, confirm response below as No, and advise the customer: \"Our Financial Services Guide is available online, at your nearest Branch or if you would like one forwarded to you, please call 1300 367 074.\"
    loanProtectionStaffText6CCC Email a copy of the
    loanProtectionStaffText7CCC , and then provide the total loan amount including PLP.
    loanProtectionStaffText8CCC Warning to Personal Banker
    loanProtectionUrl http://www.westpac.com.au/docs/pdf/pb/PersonalLoanProtectionPDS.pdf?appAction=exit
    FSGUrl http://www.westpac.com.au/docs/pdf/pb/FSR_WestpacGeneralFSG.pdf?appAction=exit
    acceptableVisa http://www.westpac.com.au/docs/pdf/pb/acceptable-visas.pdf?appAction=exit

  •  informationSecurity
    Key Value
    infoSecurityText1

    How we ensure your protection\u003F

    Your privacy is our priority. We make sure the personal information you submit to us online remains strictly confidential.

    We ensure your protection with a Secure Sockets Layer \u0028SSL\u0029. This scrambles your data making it unreadable by third parties. It does this by\u003A

    infoSecurityText2 Server authentication
    The web server sends a digital certificate to your computer so that you can be sure of its identity.
    infoSecurityText3 Client authentication
    Your computer authenticates itself to the server by showing its digital signature.
    infoSecurityText4 Encryption connection
    During the Internet connection\u002C data is encrypted \u0028i.e. scrambled\u0029 so that only your computer and the web server can understand the contents. This prevents other Internet users from intercepting the information sent between you and the web server.

  •  productInfo
    Key Value
    productInfoText1 Who can apply
    productInfoText2 18+ years old
    productInfoText3 Australian permanent residents or those with an
    productInfoText4 How this works
    productInfoText5 It takes 10\u002D15 minutes to apply online
    productInfoText6 Receive an instant response once the application has been submitted
    productInfoText7 Complete and return the contract electronically or in branch
    productInfoText8 What you\u0027ll need
    productInfoText9 Personal details
    productInfoText10 Income and expenses
    productInfoText11 Employment details
    productInfoText12 If you have an
    productInfoText13 eligible Australian visa
    productInfoText14 you can apply at a Westpac branch or by calling the Personal Lending Centre on 1300 720 697
    productInfoText15 Who can apply online
    productInfoText16 You can save and retrieve your application anytime within 14 days.
    productInfoText17 Migrants with one of these
    productInfoText18 Accept the contract online or in branch
    productInfoText19 What we need
    productInfoText20 If approved, accept the contract online instantly, or finalise in branch
    productInfoText21 Get an instant response after submitting your application
    productInfoText22 It takes 20\u002D25 minutes to complete this application
    productInfoText23 It takes 15\u002D20 minutes to complete this application
    productImage https://www.westpac.com.au/content/dam/public/wbc/images/forms/oregon/personal-loans/pl-application.png
    privacyStatementUrl http://www.westpac.com.au/docs/pdf/pb/westpac_personal_loan_privacy.pdf?appAction=exit

  •  otherIncomeInfo
    Key Value
    otherIncomeTooltipText1 Types of income you can include in the \u0027other income\u0027 field are\u003A
    otherIncomeTooltipText2 Interest received
    otherIncomeTooltipText3 Rental income
    otherIncomeTooltipText4 Widow\u0027s allowance
    otherIncomeTooltipText5 Family tax benefit part A and B
    otherIncomeTooltipText6 Parenting paymen
    otherIncomeTooltipText7 Government childcare
    otherIncomeTooltipText8 Pharmaceutical and telephone allowances
    otherIncomeTooltipText9 Youth allowance
    otherIncomeTooltipText10 Unemployment benefits
    otherIncomeTooltipText11 To complete the \u0027other income\u0027 field\u002C add together all relevant income that you have not already included in the salary\u002Fwages\u002Fpension field. We may need you to verify any income listed here.

  •  otherAssetInfo
    Key Value
    otherAssetText1 Current list of goods considered \u0027Assets\u0027 by Westpac are\u003A
    otherAssetText2 Shares
    otherAssetText3 Superannuation
    otherAssetText4 Cars and other Vehicles
    otherAssetText5 Household Items - e.g Whitegoods,TV,Furniture
    otherAssetText6 Personal Belongings - e.g estimated value of your personal possessions such as CD's, jewellery, etc.

  •  PLPDisclosure
    Key Value
    PLPDisclosureText1 Personal Loan Protection is issued by Westpac General Insurance Limited and Westpac Life Insurance Services Limited\u002C who are part of the Westpac Group.
    PLPDisclosureText2 You can contact the insurers on 1300 369 989. The cover runs for the term of the loan unless cancelled earlier.
    PLPDisclosureText3 The premium is funded under the loan\u002C is paid upfront\u003B and calculated on the amount borrowed\u002C the loan term and the state or territory of residence.
    PLPDisclosureText4 The information we provide about Personal Loan Protection is of a general nature and may not be appropriate to you.
    PLPDisclosureText5 Westpac receives a 20% commission based on sales and your Westpac representative may receive bonuses based on sales.

  •  creditInformation
    Key Value
    creditInformationText1 To assess your creditworthiness\u002C we may obtain credit information about you from a credit reporting body\u002C and exchange your information with other credit providers.
    creditInformationText2 We may confirm the details of the information provided in this application which includes contacting your employer.
    creditInformationText3 Where you have provided information about another individual\u002C you must make them aware of that fact and the contents of our privacy policy.
    creditInformationText4 The privacy page of our website westpac.com.au includes a \u201CStatement of Notifiable Matters\u201D. These are matters you should be aware of in relation to the use and disclosure of your credit information. This statement includes\u003A
    creditInformationText5 details of the credit reporting bodies to which we are likely to disclose your credit information\u002C the types of credit information we may give them and how this information will be used\u003B
    creditInformationText6 your rights over your credit information\u002C including how you can access and correct your information and make complaints\u003B
    creditInformationText7 your rights to direct a credit reporting body to limit the use of your information for direct marketing purposes and what protections are available if you believe you are a victim of fraud\u003B and
    creditInformationText8 information about our Credit Reporting Policy.
    creditInformationText9 You can call us on 132 032 or visit us in branch for a hard copy of the Statement of Notifiable Matters.

  •  personalInformation
    Key Value
    personalInformationText1 We collect personal information from you to process your application\u002C provide you with your product or service\u002Cand manage your product or service.
    personalInformationText2 We may disclose your personal information to other members of the Westpac Group\u002C anyone we engage to do something on our behalf\u002C rewards program administrators and other organisations that assist us with our business.
    personalInformationText3 Our privacy policy\u002C available at westpac.com.au or by calling 132 032\u002C describes how we collect\u002C use\u002C disclose\u002C and hold your information. Access our privacy policy for more details.

  •  reportingObligation
    Key Value
    reportingObligationText1 We are required to identify certain US persons in order to meet account information reporting requirements under local and international laws.
    reportingObligationText2 If you or \u0028where you are applying on behalf of an entity\u0029 the entity and\u002For any office bearer* of the entity and\u002For any individual who holds an interest in the entity of more than 25% \u0028a Controlling Person\u0029 are a US citizen or US tax resident\u002C you must telephone 1300 658 194 at the time of completing this application. When you contact us you will be asked to provide additional information about your US tax status and\u002For the US tax status of the entity and\u002For any Controlling Person which will constitute certification of US tax status for the purposes of this application.
    reportingObligationText3 Unless you notify us that you or \u0028where you are applying on behalf of an entity\u0029 the entity and\u002For any Controlling Person are a US citizen or US tax resident as specified above\u002C by completing this application you certify that you or \u0028where you are applying on behalf of an entity\u0029 the entity and\u002For any Controlling Person are not a US citizen or US tax resident.
    reportingObligationText4 If at any time after account opening\u002C information in our possession suggests that you\u002C the entity and\u002For any Controlling Person may be a US citizen or US tax resident\u002C you may be contacted to provide further information on your US tax status and\u002For the US tax status of the entity and\u002For any Controlling Person. Failure to respond may lead to certain reporting requirements applying to the account.
    reportingObligationText5 *Director of a company\u002C partner in a partnership\u002C trustee of a trust\u002C chairman\u002C secretary or treasurer of an association or co\u002Doperative

  •  productAndSeviceInfo
    Key Value
    productAndSeviceInfoText1 We will use or disclose your personal information to contact you or send you information about other products and services offered by the Westpac Group or its preferred suppliers. Please call us on 132 032 or visit any of our branches if you do not wish to receive marketing communications from us.

  •  noticeOfConsent
    Key Value
    noticeOfConsentText1 To assess your creditworthiness\u002C we may obtain credit information about you from a credit reporting body\u002C and exchange your information with other credit providers.
    noticeOfConsentText2 We may confirm the details provided in this application which includes contacting your employer.
    noticeOfConsentText3 Where you have provided information about another individual\u002C you must make them aware of that fact and the contents of our privacy policy.
    noticeOfConsentText4 Our website includes information about credit reporting\u002C including\u003A
    noticeOfConsentText5 You can request a hard copy of this information.
    noticeOfConsentText6 We will use or disclose your personal information to contact you or send you information about other products and services offered by the Westpac Group or its preferred suppliers.
    noticeOfConsentText7 Please call us on 132 032 or visit any of our branches if you do not wish to receivemarketing communications from us.
    noticeOfConsentText8 the credit reporting bodies we may disclose your information to \u003B
    noticeOfConsentText9 how to access and correct your information and complain\u003B
    noticeOfConsentText10 how to ask a credit reporting body to limit the use of your information for direct marketing\u003B
    noticeOfConsentText11 your rights if you believe you are a victim of fraud\u003B and
    noticeOfConsentText12 details of our Credit Reporting Policy.

  •  loanUseAndSecurity
    Key Value
    loanUseAndSecurityText The customer doesn't need any security\u002C but the loan must be mainly for personal use. Also\u002C the loan cannot be for refinancing or consolidating debts sourced from outside Australia.
    addtionalLoanHelpText If the customer is borrowing money for multiple purposes\u002C list them all below.

  •  eccContent
    Key Value
    eccContentText I agree to receive by electronic communication my contract documentation, other disclosure documents and communications about this application. I acknowledge that I:
    eccContentText1 Accepting the eContract online allows the customer to finalise their unsecured personal loan application anytime, anywhere. There is no need to make an appointment and come back into branch.
    eccContentText2 eContracts are only accessible using information known to the customer. The customer's mobile phone is used to confirm acceptance of the eContract, it is recommended to save the document to the customer's mobile device, tablet or desktop for the customer's records.
    eccContentText3 Will not receive a paper copy of the documents
    eccContentText4 Must regularly check for emails from Westpac
    eccContentText5 Can withdraw my consent to receive documents by electronic communication at any time
    eccContentText6 Please note: If you don't
    eccContentText7 consent to receive your documents electronically,
    eccContentText8 you can retrieve and accept your contract at your nearest branch.
    directDebitText1 Setting up a direct debit reduces the risk of missing a payment. Please ensure you have sufficient funds in your nominated account.
    directDebitTextBranch1 Setting up a direct debit reduces the risk of missing a payment. Advise the customer to ensure that they have sufficient funds in their nominated account.
    directDebitText2 Would you be interested in setting up a Direct Debit?
    directDebitTextBranch2 Ask the customer if they would like to set up a direct debit
    directDebitText3 If No, discontinue the DDR discussion, confirm response below as \"No\"
    directDebitText4 If Yes, confirm response below, as \"Yes\"
    directDebitText5 Provide a copy of the
    directDebitText6 to the customer
    directDebitText7 Confirm the Customer is the sole account holder of their nominated account?
    directDebitTextBranch7 Ask the customer if they are the sole account owner.
    directDebitText8 If No, confirm response below as \"No\"
    directDebitText9 If Yes, confirm response below, as \"Yes\"
    directDebitText10 Select customer's nominated Westpac account from the drop down menu below OR enter the customer's Account name, BSB, Account Number and Financial Institution
    directDebitText11 The information provided in this section will be populated into the Direct Debit Request Form which you will print on the following page.
    directDebitTextBranch11 Make sure the customer signs the Direct Debit Form and return it along with the signed Contract to SPL@westpac.com.au
    directDebitText12 To set up the monthly payments from the joint account, simply follow the below steps:
    directDebitTextBranch12 Follow the below steps to help the customer set up a monthly direct debit from a joint account:
    directDebitText13 1. Download and print the
    directDebitTextBranch13 for the customer
    directDebitText14 2. Complete the direct debit details
    directDebitTextBranch14 2. Assist the customer to complete the form
    directDebitText15 3. All the account holders to review and sign the form
    directDebitTextBranch15 3. Advise the customer that all account holders must sign the form
    directDebitText16 4. Post or fax us the signed form
    directDebitTextBranch16 4. Advise the customer to post or fax the signed form to
    directDebitText17 Account Services Team
    directDebitText18 Group Operations (IBN 050)
    directDebitText19 1 King St, Concord West NSW 2138
    directDebitText20 Fax to (02) 9767 0770
    directDebitText21 I confirm I have provided the customer a copy of the
    directDebitText22 request and authorise Westpac Banking Corporation (User ID 039159) to debit my account (\"Nominated account\") referred to above, amounts deemed payable under the Personal Loan Contract as and when they fall due, through the bulk Electronic Clearing System.
    directDebitText23 By providing this instruction, I acknowledge that I have read and agree to the
    directDebitText24 Banker to provde the customer with the
    directDebitText25 Direct Customer to complete the direct debit details
    directDebitText26 Fax or mail to the below address, once all account holders have reviewed and signed the Direct Debit Request form
    directDebitText27 Before continuing please download and view the Direct Debit Request Service Agreement - Terms and Conditions.
    directDebitURL https://www.westpac.com.au/content/dam/public/wbc/documents/oregon/service-agreement-personal-loan-ddr.pdf?appAction=exit
    directDebitJointURL https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Personal_Loan_Direct_Debit_1.pdf?appAction=exit

  •  contractContent
    Key Value
    contractText1 Confirm the
    contractText2 the customer has signed the printed eContract
    contractText_Branch_2 Emailed a copy of the signed Personal Loan contract documentation to SPL@westpac.com.au
    contractText3 the customer has signed the printed Direct Debit Request form (if applicable)
    contractText_Branch_3 Made a copy of the signed Personal Loan contract documentation which will remain in branch
    contractText4 signed eContract and Direct Debit Request form (if applicable) have been returned to plapps@westpac.com.au
    contractText_Branch_4 Returned the original signed contract documentation to the customer for their records.
    contractText5 Product Disclosure Statement
    contractText6 Financial Services Guide and credit guide
    contractText7 the customer has been given copies of the eContract,where applicable
    contractText8 Request customer to read the Schedule and the General Conditions (together, the eContract) thoroughly, and notify them of their opportunity to seek independant advice before accepting the eContract.
    contractTextBranch8 Print the customer's loan contract.
    contractTextBranch_1_8 This document contains the customer's Personal Loan Schedule and the Personal Loan General Conditions
    contractTextBranch_2_8 If the customer has purchased Personal Loan Protection, the contract will also contain the Personal Loan Protection Schedule.
    contractTextBranch_3_8 Ask the customer to read all contract documents (allow about 30 minutes).
    contractTextBranch_4_8 Advise they customer that if required, they can seek independent advice prior to accepting the contract.
    contractText9 Ensure all contract documentation, disclosure documents, Service Agreements, Financial Services Guide and credit guide have been given to the customer, where applicable.
    contractText10 Print contract documentation (below button) and request customer to sign the eContract and the Direct Debit Request form (if applicable).
    contractText_Branch_1_10 Ensure the customer has signed all contract documentation including:
    contractText_Branch_2_10 The Personal Loan Schedule
    contractText_Branch_3_10 The Direct Debit Service Request (if applicable)
    contractText_Branch_4_10 The Personal Loan Protection schedule (if applicable)
    contractText_Branch_5_10 Your loan documents will open in a separate window. Please scroll to the bottom and read every page carefully. We recommend you save and/or print a copy for your records, as we will not send you a paper copy.
    contractText_Branch_6_10 If you have any questions, or if any of the details are incorrect, please contact us on 132 651 and give the Application reference number
    contractText_Branch_7_10 Your loan documents will be available here for 30 days. If you do not accept within 30 days of the disclosure date the Bank may withdraw this offer.
    contractText_Branch_7A_10 Your loan documents will be available here for 90 days. If you do not accept within 30 days of the disclosure date the Bank may withdraw this offer.
    contractText11 Return signed eContract and Direct Debit Request form (if applicable) to plapps@westpac.com.au
    contractText_Branch_11 Return all signed documentation to SPL@westpac.com.au Note: until final signed contract documentation has been received, the customer will not receive their funds.
    contractText12 where applicable
    contractText13 Read and download your eContract, including your Personal Loan Protection Product Disclosure Statement, we recommend you save and/or print a copy for your records.
    contractText14 Acknowledge that you have read your loan documents
    contractText15 Accept the offer to enter into Personal Loan Contract
    contractText16 * If you do not accept within one month of the disclosure date Westpac may withdraw this offer.
    contractText17 Download and view your Personal Loan Contract, which consists of two documents:
    contractText_1_17 Personal Loan Contract Schedule; and
    contractText_2_17 Personal Loan Contract General Conditions
    contractText_3_17 You will also find a copy of your Personal Loan Protection policy Schedule here.
    contractText18 electronically signed eContract here
    contractText19 If you have purchased Personal Loan Protection, an electronically signed copy of the Personal Loan Protection Schedule will be attached to the eContract. If you have set up a direct debit, you will also find a copy of your electronically signed Direct Debit Request attached to the eContract.
    contractText20 Your eContract is no longer available, the 30 day period has most likely ended.
    contractText21 Acknowledge that you won't receive any funds until you've satisfied the Bank's verfication requirements.
    contractText22 Acknowledge that you are electronically signing your Personal Loan Contract. You do not have to physically sign another copy.
    contractText23 This link will be accessible for 30 days, we recommend you save and/or print a copy for your records. After this time please contact us on
    contractText23A for a copy.
    contractText24 You can download a copy of your
    contractText25 BEFORE YOU SIGN
    contractText26 THINGS YOU MUST KNOW
    contractText27 READ THIS CONTRACT DOCUMENT so that you know exactly what contract you are entering into and what you will have to do under the contract.
    contractText28 Once you sign this contract document, you will be bound by it. However, you may end the contract before you obtain credit, or a card or other means is used to obtain goods or services for which credit is to be provided under the contract, by telling the credit provider in writing, but you will still be liable for any fees or charges already incurred.
    contractText29 You should also read the information statement: 'THINGS YOU SHOULD KNOW ABOUT YOUR PROPOSED CREDIT CONTRACT'.
    contractText30 You do not have to take out consumer credit insurance unless you want to. However, if this contract document says so, you must take out insurance over any mortgaged property that is used as security, such as a house or car.
    contractText31 Fill in or cross out any blank spaces.
    contractText32 If you take out insurance, the credit provider can not insist on any particular insurance company.
    contractText33 Get a copy of this contract document.
    contractText34 If this contract document says so, the credit provider can vary the annual percentage rate (the interest rate), the repayments and the fees and charges and can add new fees and charges without your consent.
    contractText35 Do not sign this contract document if there is anything you do not understand.
    contractText36 If this contract document says so, the credit provider can charge a fee if you pay out your contract early.
    contractText37 Acknowledge that you have read and received the Direct Debit Request Service Agreement - Terms and Conditions,
    contractText38 Acknowledge that you have read and received the Personal Loan Protection PDS and policy wording
    contractText_1_38 Acknowledge that you have read and received the
    contractText_2_38 Product Disclosure Statement and policy wording
    contractText_3_38 related to your purchased Personal Loan Protection
    contractText39 Contract document
    contractText_1_39 Accept
    contractText_2_39 Personal Loan Contract
    contractText_3_39 Personal Loan Protection

  •  decisionContent
    Key Value
    decisionText1 Income
    decisionText2 Passport and eligible Visa details
    decisionText3 Employment status
    decisionText4 Residential address
    decisionText5 Identity
    decisionText6 To help us finalise your application, visit the below link to see what documents we require for verification purposes.
    decisionText6A Click the below link to advise the customer what verification documents they will need to provide.
    decisionText7 Your two most recent consecutive computer generated payslips
    decisionText8 Your two most recent bank statements, issued within the last three months, confirming a minimum of two regular income deposits
    decisionText9 If you also receive income from an additional source, visit the below link to see what documents we require for verification purposes.insert link You'll also receive an email confirming what documents we require from you.
    decisionText10 Your two most recent Notice of Assessment (issued within the last financial year)
    decisionText11 Your two most recent business bank statements, issued within the last three months
    decisionText12 If you also receive income from an additional source, visit the below link to see what documents we require for verification purposes.
    decisionText13 Your four most recent consecutive computer generated payslips
    decisionText14 Your two most recent bank statements, issued within the last three months, confirming a minimum of three regular income deposits
    decisionText15 If you also receive income from an additional source, visit the below link to see what documents we require for verification purposes.insert link You'll also receive an email confirming what documents we require from you.
    decisionText16 Please email copies of these documents to plapps@westpac.com.au with your Application Reference Number in the subject line. You'll also receive an email confirming what documents we require from you.
    decisionText16A The customer will also receive an email or letter confirming these requirements.
    decisionText16B Advise or help the customer to email copies of their documents to plapps@westpac.com.au with their Application Reference Number in the subject line.
    decisionText16C If the customer does not have access to email, advise the customer to visit their local Westpac branch with their verification documents for further assistance.
    decisionText17 You'll also need to visit your local Westpac branch to verify your identity. Make sure to review the identification checklist, and bring appropriate identity documents with you.
    decisionText18 Follow the below steps to finalise your application and accept your eContract.
    decisionText18A How to help the customer get their funds
    decisionText19 Tell us how you would like to receive the funds
    decisionText20 Accept your eContract online
    decisionText21 Visit your local Westpac branch to verify your identity. Make sure to review the identification checklist, and bring appropriate identity documents with you.
    decisionText19A Advise the customer they can complete the contract now in branch. This will take about 30 minutes.
    decisionText19B If the customer has provided an email and mobile phone number, inform the customer that they can accept their contract online.
    decisionText20B Advise the customer that they have been sent an email with further instructions for online contract acceptance
    decisionText20A Alternatively, if the customer has provided a mobile phone number and email address, they can accept the contract online for the next thirty days.
    decisionText21A Visit your local Westpac branch to verify your identity. Make sure to review the identification checklist, and bring appropriate identity documents with you.
    decisionText22 Your Unsecured Personal Loan application has been approved to the value of
    decisionText23 subject to the verification of your:
    decisionText24 Current Medicare card
    decisionText25 Please email a copy of your Medicare card to plapps@westpac.com.au with your Application Reference Number in the subject line. You'll also receive an email confirming what documents we require from you.
    decisionText26 Visit the below link to see what documents we require for income verification purposes, based on the information you provided in your application.
    decisionText27 Please email copies of these documents to plapps@westpac.com.au with your Application Reference Number in the subject line.
    decisionText28 You'll also receive an email confirming what documents we require from you.
    decisionText29 Your two most recent Notice of Assessment (issued within the last financial year)
    decisionText30 Your two most recent business bank statements, issued within the last three months
    decisionText31 To help us finalise your application, please send copies of the following documents to plapps@westpac.com.au
    decisionText32 Your Unsecured Personal Loan application has been conditionally approved to the value of
    decisionText32A The customer's Unsecured Personal Loan application has been conditionally approved to the value of
    decisionText33 subject to income verification.
    decisionText34 Next Steps
    decisionText35 We'll send an email with the information above to
    decisionText35A If the customer has provided an email address, they will receive an email confirming this information.
    decisionText35B If the customer has not provided an email address, they will receive a letter confirming this information to their residential address.
    decisionText35C If the customer has provided an email address they will receive an email confirming that their application has been approved.
    decisionText35D This email will also contain instructions for accepting the contract online.
    decisionText35E If the customer has not provided an email address, they will receive a letter confirming that their application has been approved.
    decisionText35F If the customer has not provided an email address and mobile phone number they will be required to finalise their contract in branch
    decisionText36 If not given, letters will be sent to your residential address.
    decisionText37 Once the above steps are completed, you should then receive the funds within 3 business days.
    decisionText37A Once the customer has finalised their contract, they will receive funds to their nominated account within 2 business days.
    decisionText38 Once the first step above is completed, you'll receive a response from us within 3 business days.
    decisionText38A Once the customer has provided their verification documents they will receive a response within 3 business days.
    decisionText39 We should have a decision for you within 2-3 business days.
    decisionText39A We should have a decision for the customer within 2-3 business days.
    decisionText39B If the customer has provided an email address they will receive an email confirming the outcome of their application.
    decisionText39C If the customer has not provided an email address they will receive a letter confirming the outcome of their application to their residential address.
    decisionText40 We'll email you information regarding when your funds are disbursed.
    decisionText41 Once your identity is verified, you should receive funds in your Nominated account within 3 business days.
    decisionText42 You should receive funds in your bank account within 3 business days.
    decisionText43 1800 066 244
    decisionText44 132 651
    decisionText45 subject to the verification of your:
    decisionText46 Final payment figures of the Westpac debt(s) that you have selected to refinance.
    decisionText47 Your first monthly repayment is due one month after the first date on which any part of the amount of credit is lent.
    decisionText48 Advise the customer that if their application is approved they will be able to accept their contract online.
    decisionText49 The customer will receive an email containing a link to retrieve their eContract online using information only known to them.
    decisionText50 Advise the customer that a onetime password will be sent to the mobile number they provided in their application.
    decisionText51 This password will be required to accept the eContract.
    decisionText52 Note: If the customer has not provided a mobile number or email address in the application form, they will be required to finalise their contract in branch.
    decisionText53 Discuss the benefits of the eContract with the customer:
    decisionText54 They can accept the eContract online anytime, anywhere.
    decisionText55 There is no need to make an appointment and come back to branch to finalise their loan application.
    decisionText56 Once the customer has accepted the contract online they are able to download a copy of their loan documentation for up to 30 days.
    decisionText57 Advise the customer they will need to make an appointment with their local Westpac branch to complete this step.
    decisionText58 Alternatively, if the customer has not provided an email and a mobile phone number, inform the customer that they are required to finalise their contract in branch.
    decisionText59 Help the customer to make an appointment with their local Westpac branch to finalise their contract in person.
    decisionText60 that it should take approximately 40 minutes to finalise their contract in branch
    decisionText61 that if they would like their funds to be sent to a bank account at another financial institution, they will need to know the BSB and Account Number.
    decisionText62 Refer to the instructions provided in your Unsecured Personal Loan application approval correspondence.
    decisionText63 http://www.westpac.com.au/personal-banking/personal-loans/unsecured-personal-loan/online-verification-checklist?appAction=exit
    decisionText64 Verification Checklist

  •  servicibility
    Key Value
    servicibilityText1 Based on the information you have provided, we think you could afford this loan (subject to further lending assessment and verification of your financial situation).
    servicibilityText2 Based on the information you have provided, your estimated monthly repayments would be
    servicibilityText3 Based on your financials, we think you may have difficulty affording this loan (subject to lending assessment).
    servicibilityText4 Your estimated monthly repayments would be
    servicibilityText5 * The repayment figure is indicative only and does not constitute a quote or loan offer. The repayment figure includes
    servicibilityText6 Personal Loan Protection insurance,
    servicibilityText7 an establishment fee and monthly administration fee.
    servicibilityText8 We don't think you could afford these repayments. You may wish to return to Step 1: Finances and revise your nominated loan amount and/or loan term. If you increase your loan term, please remember this will increase the overall interest paid. Think about whether this suits your needs.

  •  welcomeGetStarted
    Key Value
    welcomeGetStartedText1 Have read and considered the details of this loan before choosing it.
    welcomeGetStartedText2 Have read and agree to the
    welcomeGetStartedText3 Receive by electronic communication your contract documentation, other disclosure documentation and communications about this application. Before deciding, please note:
    welcomeGetStartedText4 You won't be able to update the email address you provide whilst your application is being processed;
    welcomeGetStartedText5 You will not receive a paper copy of the documents
    welcomeGetStartedText6 You must regularly check for emails from us
    welcomeGetStartedText7 If you don't consent to receive documents electronically, you can apply for this loan at your nearest branch or by calling
    welcomeGetStartedText8 132 651

  •  genericModalData
    Key Value
    timeoutPopupText

    Click Continue to extend the session. This session will timeout if you remain inactive.

    cancelApplicationText

    If you are having trouble completing this form please call us on 132 032.

    If you choose to cancel the application you will lose the information you have entered and you won't be able to retrieve your application at a later date.

    Alternatively, you can exit this screen to go back and continue your application.

    expenseGreaterIncomeText

    Based on the information you've provided, it looks like your expenses exceed your income.
    Please review this information.

    CCCNumber 132 032
    processingText Don't walk away, we'll have a result in 60 seconds

  •  errorPageData
    Key Value
    errorPageText1 Application Unavailable
    errorPageText2 Please be advised that the Personal Loan application is currently unavailable. We apologise for any inconvenience caused.
    errorPageText3 If you have any questions please contact us on
    errorPageText4 132 651
    errorPageText5 We are sorry
    errorPageText6 This application does not support Internet Explorer 8, we strongly recommend that you upgrade to a different browser.
    errorPageText7 Please try again later.
    errorPageText8 We seem to be experiencing problems and could not process your application.
    errorPageText9 Your session has timed out.
    errorPageText10 Your session has ended and you will need to restart a new application. Alternatively you can visit our website.
    errorPageText11 The minimum age to be eligible to apply for an Unsecured Personal Loan is 18 years.
    errorPageText12 Please contact us on
    errorPageText12A 132 142
    errorPageText12B if you are over 18 and your personal information is incorrect.
    errorPageText13 Please update your details in Westpac Online Banking under 'Services & preferences'. you can then return to this application.
    errorPageText14 You can't request a new verification code.You can't request a new verification code.
    errorPageText15 Please visit your local branch.
    errorPageText16 Application cancelled
    errorPageText17 Your Personal Loan application has been cancelled.
    errorPageText18 We are sorry, unable to retrieve application
    errorPageText19 Unfortunately we are unable to retrieve your application.
    errorPageText20 This could be because
    errorPageText21 the Reference number, Last name or Date of birth you have entered are incorrect.
    errorPageText22 the Reference number, Contact number or Postcode you have entered are incorrect.
    errorPageText23 the application has expired
    errorPageText24 the loan documents have not been received from the Branch
    errorPageText25 our records indicate that document verification is still pending for your application
    errorPageText26 To protect your privacy and personal details, this application will be locked after 3 failed retrieve attempts.
    errorPageText27 Please contact our Personal Lending Centre on
    errorPageText28 132 651

  •  serialiser_config_1353345874
    Key Value