Partner Toolkit

Plans below include long term interest free options and the everyday interest free option (6 months available when the customer spends $250 or more on all Gem Visa purchases)

Never use just 'Latitude' in your advertising. It should always be Gem Visa/ Gem CreditLine or Latitude Financial Services Limited as the finance provider.

Headlines are flexible. You can use your own or tweak the options we have provided, as long as the meaning doesn't change.

You must always incorporate the sub headline or requirements either within your headline or as prescribed. For example with a long term interest free payment option and the everyday payment option:

• 24 months 0% interest available when you spend more than $1000 by 24 November 2022.
• 24 months 0% interest available on any purchase over $1000. Ends 24 November 2022.
• 6 months 0% interest available when you spend $250 or more.
• 6 months 0% interest available on any purchase, $250 and over.

Where applicable, you should include the following:

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

These lines should appear in the sub header for advertising media (digital banners, TVC, radio), catalogues, inserts, full page ads and in the disclaimers for eDMs, DMs, social media and websites.

Whenever interest free (regardless of whether plan term is specified) is being advertised,the establishment fee amount (unless the advertisement is being served to existing customers only), annual fee amount and prevailing interest rate must be displayed in the advertisement prominently. i.e. You should ensure that the required information is likely to come to the attention of, and be understood by, the average audience that the communication is directed to. Factors that may affect prominence include whether the information is:

1. legible or audible or both,
2. brought to the attention of a reasonable person in a clear manner that is unlikely to be overlooked, reflecting its importance,
3. of a size, colour and position that is appropriate for that advertisement or medium; and
4. not hidden or obscured.

Please ensure you state any offer exclusions e.g. if a certain brand or product is excluded from the finance offer you must state this.

An end date is not required if the term promoted is an everyday offer and will not expire.

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half-yearly))
• Gem CreditLine: Total repayments [$xxxx] (excluding $65 annual fee (charged $32.50 half-yearly))

Please note that Interest Free adverts cannot include payment amounts as the total repayment amount is not ascertainable.

All disclaimer copy should be legible to the reasonable person, so consider font size and contrasting background colours.

Related to the statement: "Gem Visa provides a response in 60 seconds"

• If you do use a reference to Gem Visa providing a response in 60 seconds such as "apply online and receive a response in 60 seconds" you must include the following disclaimer prominently "responsible lending criteria applies".
• If you don't wish to include a disclaimer then remove reference to ‘a response in 60 seconds' and use a more general message such as "applying online is simple and convenient" or "apply online today and if approved start shopping".

If promoting an offer with multiple finance providers:

• Our preferred approach is for you to split T&Cs by provider, to reduce the likelihood of any customer confusion.
• If this isn't possible or practicable due to space or text limitations, you may consider combining T&Cs, however please ensure the disclaimer wording used for Gem is taken from these guidelines.
• Regardless of the approach taken, please always ensure disclaimers are displayed in a prominent manner (see above guidance on this).

If you are simply featuring card art and do not have any copy or headlines referencing interest free, please include the following disclaimer:

• Credit lending criteria and fees apply. Gem products are provided by Latitude Financial Services Limited.

Referring to Interest free in your shopping cart/check out:

1. If you are simply referring to Interest Free i.e., "Gem Visa Interest Free" (no specific term, offer or payment plan) our guidance is that a disclaimer is not required.
2. If you refer to Interest Free as an offer i.e., "Interest free over 24 months" then our guidance is to include the abbreviated digital disclaimer as follows:
   • T&Cs and fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half-yearly) / $65 Gem CreditLine (charged $32.50 half-yearly)). Interest rate (currently Gem Visa 29.49% p.a. / Gem CreditLine 29.95% p.a.) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz.
     • Exclude the above references to Gem CreditLine if only promoting Gem Visa.
     • If your interest free offer is positioned only to existing Gem Visa customers, you could remove reference to the $55 establishment fee.
     • Please see prominence section of the advertising guidelines for further details.

If you have something that is not covered in these guidelines, speak to your Program Leader.

Where a minimum purchase amount is advertised, you may wish to refer to the 'Minimum Purchase Table' located at the end of these Guidelines

Have a different offer?

Speak to your Program Leader about how we can help.

In these guidelines, "XX" and "< >" are variables, e.g. "XX <months/years>" means you'll need to select XX months or XX years, as applicable to your promotion. Example: 36 months

Latitude does not sign CAB agreements. (CAB= Commercial Approvals Bureau)

On a long campaign (greater than 3 weeks) an end date does not need to be called out in the initial TVC or radio advertisement. As the campaign nears its end (within 5 days or more before the end of offer) the end date must be presented in the advertisement. If possible, demonstrate that there are two versions of the creative (one with the end date and one without).

The TVC disclaimer must be legible with the colour of the words in contrast to the background and in a legible font size.

Do not fast-read disclaimers on the radio.

The retailer should be subject to guidance from the publisher as to the size of the font, length of time on screen and speed with spoken aloud. Please contact Latitude Financial Services Limited for guidance if required.

The catalogue distribution date must be on or after the promotion start date unless a commencing date or a range of dates is specified for the promotion.

Ensure products advertised on a page with any 0% Interest Payment Plan has products advertised above the minimum spend amount.

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

Minimum purchase $xx. Minimum monthly payments required. Offer ends xx/xx/xxxx.

• Available on participating Gem Visa or Gem CreditLine credit cards only.

  Please note: 6 months as a payment plan is not available for Gem CreditLine.

• New customers must apply and be approved for a Gem Visa credit card.

• *Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)).. Prevailing interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.

If you are sending a personal communication directly to existing Gem customers, please replace the highlighted words (in yellow and blue) with the following:

• "*Credit and lending criteria and fees, including annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half-yearly)), apply."

Please refer to The Minimum Purchase Table

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

• Available on participating Gem Visa or Gem CreditLine credit cards only.

  Please note: 6 months as a payment plan is not available for Gem CreditLine.

• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

• Available on participating Gem Visa or Gem CreditLine credit cards only.

  Please note: 6 months as a payment plan is not available for Gem CreditLine.

• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

• Available on participating Gem Visa or Gem CreditLine credit cards only.

  Please note: 6 months as a payment plan is not available for Gem CreditLine.

• New customers must apply and be approved for a Gem Visa credit card.

*T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half-yearly) / $65 Gem CreditLine (charged $32.50 half-yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a/ Gem CreditLine 29.95% p.a.) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for promoting Gem Visa only:

Please refer to The Minimum Purchase Table

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

• Available on participating Gem Visa or Gem CreditLine credit cards only.

  Please note: 6 months as a payment plan is not available for Gem CreditLine.

• New customers must apply and be approved for a Gem Visa credit card.

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

• Available on participating Gem Visa or Gem CreditLine credit cards only.

  Please note: 6 months as a payment plan is not available for Gem CreditLine.

• New customers must apply and be approved for a Gem Visa credit card.

* T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a/ Gem CreditLine 29.95% p.a.) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for TVC & Video — promoting Gem Visa only:

 Gem Visa T&Cs & fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a. applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for Radio — promoting Gem Visa only:

 Gem Visa T&Cs and fees apply including a $55 establishment fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a. applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit by Latitude Financial Services Limited.

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)).Prevailing interest rate (currently Gem Visa 29.49% p.a) applies after any interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.

Option for promoting Gem Visa only:

*Gem Visa T&Cs & fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a, applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Please refer to The Minimum Purchase Table

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a) applies after any interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.

Option for TVC and Video — promoting Gem Visa only:

*Gem Visa T&Cs & fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a, applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for Radio — promoting Gem Visa only:

*Gem Visa Ts, Cs & fees apply including a $55 establishment fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% per annum applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.

Please refer to The Minimum Purchase Table

Pay it on a XX month interest-free plan*

XX <months/years> interest free with equal monthly payments.*

• Available on participating Gem Visa or Gem CreditLine credit cards only. Advertising with a term from 36 months or more
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly))
• Gem CreditLine: Total repayments [$xxxx] (excluding $65 annual fee (charged $32.50 half yearly))

Pay it on a xx month interest-free plan.*

XX <months/years> interest free with equal monthly payments.*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly))
• Gem CreditLine: Total repayments [$xxxx] (excluding $65 annual fee (charged $32.50 half yearly))

Pay it on a xx month interest-free plan*

XX <months/years> interest free with equal monthly payments.*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly))
• Gem CreditLine: Total repayments [$xxxx] (charged $32.50 half yearly)

Pay it on a xx month interest-free plan*

XX <months/years> interest free with equal monthly payments*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for promoting Gem Visa only:

*Gem Visa T&Cs &fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a, applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and a $2 fee applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Please refer to The Minimum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly))
• Gem CreditLine: Total repayments [$xxxx] (excluding $65 annual fee (charged $32.50 half yearly))

Pay it on a xx month interest-free plan*

XX <months/years> interest-free with equal monthly payments*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly).
• Gem CreditLine: Total repayments [$xxxx] (excluding $65 annual fee) charged $32.50 half yearly.

Pay it on a xx month interest-free plan*

XX <months/years> interest-free with equal monthly payments*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half yearly)/ $65 Gem CreditLine. Charged $32.50 half yearly)). Interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for TVC and Video — promoting Gem Visa only:

*Gem Visa T&Cs and fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a, applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for Radio — promoting Gem Visa only:

*Gem Visa Ts, Cs & fees apply including a $55 establishment fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% per annum applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit by Latitude Financial Services Limited.

Please refer to The Minimum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly))
• Gem CreditLine: Total repayments [$xxxx] ($65 annual fee (charged $32.50 half yearly))

Pay it on a XX month interest-free plan*

XX <months/years> interest free with equal monthly payments.*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*Approved customers only. <Term> months of Instalment Interest Free with Gem Visa or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply. As the Instalment Interest Free plan is for a period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. Please refer to your Gem Visa or Gem CreditLine Conditions of Use in regard to the payment allocation for this plan.

If you don't make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan's term.

If there's an outstanding balance after the interest free period ends, interest will be charged at the prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.)

Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit is provided by Latitude Financial Services Limited.

Gem does not guarantee any product or service purchased using a Gem Visa credit card. All claims and representations are made by the merchant of the goods/services, and not by Gem.

Please refer to The Minimum and Maximum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly))
• Gem CreditLine: Total repayments [$xxxx] (excluding $65 annual fee, charged $32.50 half yearly))

Pay it on a XX month interest-free plan*

XX <months/years> interest free with equal monthly payments.*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*Approved customers only. <Term> months of Instalment Interest Free with Gem Visa or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply. As the Instalment Interest Free plan is for a period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. Please refer to your Gem Visa or Gem CreditLine Conditions of Use in regard to the payment allocation for this plan.

If you don't make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan's term.

If there's an outstanding balance after the interest free period ends, interest will be charged at the prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.)

Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly)/ $65 Gem CreditLine (charged $32.50 half yearly)) apply. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit is provided by Latitude Financial Services Limited.

Please refer to The Minimum and Maximum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly))
• Gem CreditLine: Total repayments [$xxxx] (excluding $65 annual fee (charged $32.50 half yearly))

Pay it on a XX month interest-free plan*

XX <months/years> interest free with equal monthly payments.*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*Approved customers only. <Term> months of Instalment Interest Free with Gem Visa or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply. As the Instalment Interest Free plan is for a period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. Please refer to your Gem Visa or Gem CreditLine Conditions of Use in regard to the payment allocation for this plan.

If you don't make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan's term.

If there's an outstanding balance after the interest free period ends, interest will be charged at the prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.)

Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)) apply. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit is provided by Latitude Financial Services Limited.

Please refer to The Minimum and Maximum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly))
• Gem CreditLine: Total repayments [$xxxx] (excluding $65 annual fee (charged $32.50 half yearly))

Pay it on a XX month interest-free plan*

XX <months/years> interest free with equal monthly payments.*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*Approved customers only. <Term> months of Instalment Interest Free with Gem Visa or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. Minimum and maximum purchase amounts may apply. As the Instalment Interest Free plan is for period of less than 36 months, the minimum monthly payment under this plan is greater than the usual interest free repayment for the same term. Please refer to your Gem Visa or Gem CreditLine Conditions of Use regarding the payment allocation for this plan.

If you don't make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans with a period of less than 36 months will change to an Interest Free plan for the remainder of the original plan's term.

If there's an outstanding balance after the interest free period ends, interest will be charged at the prevailing interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.)

Credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly)/ $65 Gem CreditLine (charged $32.50 half yearly)) apply. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit is provided by Latitude Financial Services Limited.

Please refer to The Minimum and Maximum Purchase Table

For Instalment Interest Free advertisements that state a monthly payment amount for example where an ad states "Buy this TV for $120 pm" and it's a 3-year credit contract — the ad must also state prominently, the total amount of repayments will be $xxxx, so please use the following sentence prominently in addition to existing disclaimers:

• Gem Visa: Total repayments [$xxxx] (excluding $55 establishment fee & $65 annual fee (charged $32.50 half yearly))
• Gem CreditLine: Total repayments [$xxxx] (excluding $65 annual fee (charged $32.50 half yearly))

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Gem does not guarantee any product or service purchased using a Gem Visa credit card. All claims and representations are made by the merchant of the goods/services, and not by Gem.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half yearly)/$65 Gem CreditLine (charged $32.50 half yearly)). Interest rate (currently Gem Visa 29.49% p.a./ Gem CreditLine 29.95% p.a.) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for promoting Gem Visa only:

*Gem Visa T&Cs & fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a., applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and a $2 fee applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half yearly)/$65 Gem CreditLine (charged $32.50 half yearly)). Interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for TVC and Video — promoting Gem Visa only:

*Gem Visa T&Cs & fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a, applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for Radio — promoting Gem Visa only:

*Gem Visa Ts, Cs & fees apply including a $55 establishment fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% per annum applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit by Latitude Financial Services Limited.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Gem does not guarantee any product or service purchased using a Gem Visa credit card. All claims and representations are made by the merchant of the goods/services, and not by Gem.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half yearly)/$65 Gem CreditLine (charged $32.50 half yearly)). Interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for promoting Gem Visa only:

*Gem Visa T&Cs & fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a, applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

Please refer to The Minimum Purchase Table

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

• Available on participating Gem Visa or Gem CreditLine credit cards only.
• New customers must apply and be approved for a Gem Visa credit card.

*T&Cs & fees apply incl. a $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half-yearly)/$65 Gem CreditLine (charged $32.50 half-yearly)). Interest rate (currently Gem Visa 29.49% p.a./Gem CreditLine 29.95% p.a.) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for TVC and Video — promoting Gem Visa only:

*Gem Visa T&Cs & fees apply incl. a $55 estb. fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% p.a, applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Ltd.

Option for Radio — promoting Gem Visa only:

*Gem Visa Ts, Cs & fees apply including a $55 establishment fee & $65 annual fee (charged $32.50 half yearly). Interest rate currently 29.49% per annum applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit by Latitude Financial Services Limited.

Please refer to The Minimum Purchase Table