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In New Zealand, your Financial Institution has appointed Convera Australia Pty Ltd, NZ branch (Company number 3527631; FSP 168204), (“Convera”) to assist it in fulfilling certain foreign exchange and payment services. These services are provided to you by your Financial Institution. Fees and charges may apply, please refer to the terms and conditions issued by your Financial Institution. Any advice provided by your Financial Institution is general in nature and does not take into account your personal objectives, financial situation or needs. Convera does not give you any advice, general, personal or otherwise. This communication has been prepared solely for informational purposes and does not in any way create binding obligations. No representations, warranties or conditions of any kind, express or implied, are made in this communication.