ANZ Singapore - FlexiPlan Page 1 of 3

Personal - ANZ Singapore

FlexiPlan - Credit cards

FlexiPlan

Whether it’s a holiday to Greece to pamper yourself or special gifts to lavish on your
loved ones, you can get that and more with FlexiPlan. Make your purchases with your
Credit Card and enjoy flexible repayment plans.

For more information,

Please call +1800 226 2676 to split your purchase(s) over 3, 6 or 12-month
instalments*

*
Terms and conditions

1. One time upfront processing fee of 3% (for 3-month or 6-month plan) or 5% (for 12-
month plan) of purchase(s) amount applies.
2. Valid for a minimum combined amount of S$500.
3. Maximum of 5 combined retail transactions within the same statement is allowed.
4. Application for FlexiPlan must be made within 14 days from the date of the Billing
Statement reflecting the selected retail transaction(s).
5. Other Terms & Conditions apply.

If you have applied to participate in ANZ's FlexiPlan ("FlexiPlan"), you agree to abide by these
terms and conditions

1. Your participation in FlexiPlan is subject to the following

(a). The total amount of the selected Card Transaction(s) ("Initial Purchase Sum") must not
be less than the minimum amount determined by ANZ from time to time.
(b). The initial Purchase Sum may comprise such maximum number of selected Card
Transactions as The ANZ may from time to time determine, provided the selected Card
Transactions are all reflected on the same Billing Statement.
(c). Selected Card Transactions must be included in full.
(d). FlexiPlan is not applicable to any Cash Advance, balance transfer, interest or late
charges, any instalment payment of any kind and such other promotions and transactions as
The ANZ may determine.

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(e). The Credit Limit on your Card Account (excluding any temporary Credit Limit increase) is
sufficient to block out the Initial Purchase Sum and processing fee.
(f). Applications for FlexiPlan ("Applications") must be made after the selected Card
Transaction has been debited to your Card Account and no later than 14 days from the date
of the Billing Statement reflecting such selected Card Transaction(s) or such other time as
ANZ may from time to time determine.
(g). You are not in breach of the Cardmember's Agreement.
(h). The ANZ's approval in its absolute discretion, without the need to furnish any reason for
rejecting an Application.
2. Upon approval of your Application
(a). You shall pay the Initial Purchase Sum over such tenor and in such amounts as The ANZ
may from time to time determine and approve ("Instalment"), subject to a processing fee of
such amount or at such rate as determined by The ANZ which shall be debited to your Card
Account in full together with the first Instalment and shall not be refundable in any event.
(b). Your available Credit Limit will be reduced by blocking out an amount equivalent to the
Initial Purchase Sum and processing fee, but will be progressively restored by the amount of
each Instalment as each monthly Instalment is paid and received by The ANZ.
(c). You may not change the tenor of your FlexiPlan.
(d). Rewards points will be issued upfront on the Initial Purchase Sum but not in respect of
the subsequent Instalments.
3. Each Instalment shall be charged to the Card Account and will be treated in the same way
as any other Card Transaction charged to your Card Account. The Instalments payable will be
reflected in your Billing Statement and shall be payable in accordance with these terms and
the Cardmember's Agreement. In particular, interest and late charges will be levied on any
overdue Instalment as well as other overdue amounts in the Card Account in accordance with
the Cardmember's Agreement.
4. You shall make all payments on your Card Account by the relevant Payment Dates
notwithstanding that you may have Applications pending processing. Payments made to your
Card Account will not be refunded even after your Application is approved.
5. The ANZ may at its discretion impose a non-refundable early redemption fee of such
amount as it may determine if the FlexiPlan is terminated (whether arising from the
termination of your Card Account or otherwise) or if you make early prepayment of any
amount under your FlexiPlan. All unpaid Instalments will then be debited to your Card
Account and become immediately due and payable. Such early redemption fee will be payable
regardless of subsequent revocation of any repayment or your failure to make full repayment.
6. The ANZ is not the manufacturer or supplier (or agent thereof) of any of the products
featured. The ANZ shall not be in anyway liable, for any claims, injury, expense, loss or
damage brought or incurred by any party whosoever, or for any other matter arising from or
in connection with the use of the product or supply of any service purchased hereunder or
participation in FlexiPlan. Any complaints or comments in relation to any product or service
purchased or any accompanying terms and conditions are to be directed to supplier.
7. The ANZ reserves the right and discretion to determine and vary the Instalment amount,
processing and early redemption fee, tenor and all other payment details and terms of your
FlexiPlan from time to time and without prior notice. Subject to the preceding sentence, you
understand that you are bound by such payment details then prevailing at the time of your
Application.
8. The prevailing payment details and terms will be set out in The ANZ's marketing materials
and/or website but The ANZ's decision on all matters relating to FlexiPlan shall be conclusive
and binding.
9. The ANZ is entitled in its discretion to amend, vary or modify these terms at any time
without notice and such changes shall be binding on you with effect from such date as The
ANZ may determine.
10. These terms shall be governed by the laws of Singapore and you hereby submit to the
non-exclusive jurisdiction of the courts of Singapore. A person who is not a party to these
terms shall have no right under the Contract (Rights of Third Parties) Act (Cap.53B) to

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enforce any of these terms.

11. References here shall have the same meaning as in the The ANZ Cardmember's
Agreement. These terms apply in addition to the terms of the Cardmember's Agreement and
if any conflict arises, the Cardmember's Agreement shall prevail and these terms shall be
deemed to be modified to the extent necessary to give effect to the Cardmember's
Agreement and those terms.

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© Australia and New Zealand Banking Group Limited (ANZ) 2010 ABN 11 005 357 522. ANZ's
colour blue is a trade mark of ANZ.

http://www.anz.com/singapore/en/Personal/credit-cards/privileges/flexiplan/ 8/23/2010