Q Card Splash Page

BE IN TO WIN^ A $30,000 TRIP TO THE U.S.A. TERMS

^Prize draw terms and conditions: valid from Saturday 2 November 2019 to 11:59pm on Thursday 26 December 2019 (“Prize Draw Period”). There is one prize to give away (“Prize Draw”). One prize draw winner will receive a Flight Centre Gift Card to the total amount of NZD$30,000, Gift Card issuer’s terms and conditions will apply (“Prize”). An entry into the Prize Draw is automatic every time a purchase is made with Q Card or Q Mastercard at any retailer that accepts Q Card or Q Mastercard during the Prize Draw Period. One winner will be drawn at random from all eligible entries drawn at 111 Carlton Gore Rd, Newmarket, Auckland on Friday 10 January 2020 at midday. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place. The Prize winner will be notified by phone/email by 20 January 2020. The entities responsible for this promotion are Consumer Finance Limited and Columbus Financial Services Limited (“Promoter”), Q Card and Q Mastercard terms and conditions apply. See qcard.co.nz/qmas2019 and qmastercard.co.nz/qmas2019.

6 MONTHS TO PAY TERMS

*Zero interest, zero payments for six months (“Payment Holiday”) is available on all Q Mastercard Standard Purchases (excludes cash advances) in-store and online from Saturday 21 December 2019 to 11.59pm on Thursday 21 December 2019 New Zealand Standard Time. The purchase transaction date is determined by when the merchant processes the purchase and is outside the control of Columbus Financial Services Limited. Annual Account Fee of NZD$50 applies. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.

**GROCERY VOUCHERS TERMS

Prize Draw valid from 14 December 2019 to 24 December 2019 (“Prize Draw Period”). There are 11 prizes in total to give away. There will be 11 daily prize draws (“Prize Draw”). 11 daily Prize Draw winners will each receive a Gift Voucher of $500 of their choice from one of Countdown, Pak’nSave or New World, Gift Voucher issuer’s terms and conditions will apply (“Prize”). Every transaction made with Q Card or Q Mastercard at any accepting retailer during the Prize Draw Period automatically gives you 1 entry into 1 daily prize (dependent on date of transaction). Each daily prize draw will consist of all valid entries received during a particular day during the Prize Draw Period. 1 winning Q Card or Q Mastercard transaction will be drawn at random for each of the respective 11 daily prize draws, at the end of the Prize Draw Period at 111 Carlton Gore Rd, Newmarket, Auckland. The winners will be notified by email/phone/mail by 20 January 2020. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place. The Prizes will be sent to the winners by 31 January 2020. Each Prize is not negotiable, non-refundable or redeemable for cash. Any payments made on Q Card or Q Mastercard during the Prize Draw Period that have been cancelled or suspended before the Prize Draw date will be taken as an ineligible entry into the Prize Draw. The entities responsible for this promotion are Consumer Finance Limited and Columbus Financial Services Limited (“Promoter”), which reserve the right to use a winner’s name and photograph for promotional purposes. If a winner cannot be contacted by 25 January 2020, the Promoter reserves the right to re-draw a Prize. The Promoter reserves the right to amend, suspend or terminate the Prize Draw and these terms and conditions at any time without notice. The Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw. Any decisions made by the Promoter in relation to the Prize Draw are final and no correspondence will be entered into. Entry into the Prize Draw is deemed acceptance of these terms and conditions. Employees of FlexiGroup (New Zealand) Limited are not eligible to enter the Prize Draw. Q Card and Q Mastercard terms and conditions apply.