Terms and Conditions - Mastercard $500 daily prize draw

To be eligible for the Promotion, you must:

• Be a customer of The Co-operative Bank;
• Be aged 18 years or older;
• Be a current holder of an Eligible Card;
• Make an Eligible Transaction during the Promotion Period;
• Comply with both these Terms & Conditions and the Bank's General Terms and Conditions; and
• Not be ineligible to participate in accordance with clause 11.

Eligible Cards are:

• Co-operative Debit Mastercard
• Fair Rate Credit Card

An Eligible Transaction is a purchase transaction made using an Eligible Card during the Promotion Period by:

• Contactless Tap and Go payment;
• Apple Pay®;
• Google Pay™; or
• Online card payment.

There is no minimum transaction value required. Merchant fees may apply.

• ATM withdrawals;
• Cash withdrawals;
• EFTPOS transactions;
• Gambling transactions;
• Quasi-cash transactions;
• Interest charges;
• Fees and charges;
• Balance transfers;
• Any transaction that is reversed, refunded, charged back or disputed; and
• Any other transaction determined by The Co-operative Bank, acting reasonably, not to be a genuine purchase.

• No registration or opt-in is required.
• Subject to these Terms & Conditions, each Eligible Transaction automatically earns one entry into the relevant prize draw.
• A customer may be entered into multiple daily prize draws if they complete Eligible Transactions on multiple days during the Promotion Period.
• A customer may win only one prize under this Promotion. If a customer is selected more than once, a redraw will occur.
• The more Eligible Transactions made during the Promotion Period, the more entries received.

The total prize pool for the Promotion is NZ$8,000, comprising 16 prizes of NZ$500 each.

• One prize of $500 will be awarded in each daily prize draw.
• Sixteen daily prize draws will be conducted, one for each day from 15 September 2026 to 30 September 2026 inclusive.
• Eligible Transactions completed on a particular day will only be entered into the draw relating to that day.
• Entries will not be carried forward, rolled over or entered into any subsequent draw.
• Prize draws will be conducted on business days and generally several days after the transaction date to allow for processing.
• For each daily prize draw, one winning transaction will be randomly selected from all eligible entries.
• The Co-operative Bank may draw one or more reserve winners who may be awarded a prize if the original winner is ineligible, cannot be contacted, declines the prize or otherwise forfeits the prize.

Where an Eligible Transaction is made using an additional cardholder's card, the primary cardholder will be treated as the entrant and winner for the purposes of the Promotion. Any prize will be credited to the applicable account and all winner notifications will be sent to the primary cardholder.

The winner will be notified by 10 October 2026 via:

• Email;
• Phone; or
• Any other contact method held by The Co-operative Bank.

• For debit card transactions, prizes will be credited to the account linked to the card.
• For credit card transactions, prizes will be credited to the credit card account.
• Accounts and cards must remain open and not be blocked, suspended, restricted or in default at the time the prize is allocated.
• If an account or card has been closed, The Co-operative Bank may redraw an alternative winner or allocate the prize to a reserve winner.

Directors, employees and contractors of The Co-operative Bank are not eligible to participate.

A customer is not eligible to participate in this Promotion or receive any prize if, at the time eligibility is assessed, the customer:

• Has an approved unforeseen financial hardship arrangement in place with The Co-operative Bank;
• Is receiving financial hardship assistance from The Co-operative Bank;
• Has a repayment pause, payment deferral or hardship-related variation in place on any lending facility with The Co-operative Bank; or
• Is subject to an active payment arrangement relating to arrears on a lending facility with The Co-operative Bank.

All decisions made by The Co-operative Bank regarding this Promotion, including eligibility and payment calculations, are final.

The Co-operative Bank reserves the right to amend, suspend or withdraw this Promotion at any time.

The Co-operative Bank accepts no responsibility for any tax implications arising from participation in this Promotion.

These Terms and Conditions are to be read in conjunction with our General Terms and Conditions and our Privacy Statement.