1. GENERAL

a. NBG ABN 20 094 881 231 is offering Reward Points to Customers who take out loan, insurance and investment products which qualify for Reward Points. These points can be redeemed for free holiday rewards, domestic airfares, domestic accommodation, car hire, theatre tickets, electrical goods, white goods and power tools (as detailed within the NBG Rewards Directory).
b. The promotion is designed and administrated by Free-2-Travel Holidays Pty Ltd ABN: 96 101 233 569.
c. Points have an expiry period of 24 months from the date of issue.
d. Points cannot be redeemed for cash.
e. Unused points may be cancelled if the Customer discharges the loan.
f. Neither Free-2-Travel Holidays nor NBG shall be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) or for personal injury suffered or sustained, as a result of accepting the reward offer except for any liability which cannot be excluded by law.
g. These Terms and Conditions are correct at time of print however NBG and Free-2-Travel Holidays reserve the right to alter them at any time.
h. The details of the rewards as set out in the NBG Rewards Directory are valid for rewards booked and taken between 1 Sept 2003 and 31 March 2004.

2. POINTS REDEMPTION

a. The NBG Rewards Directory outlines the leisure and electrical rewards available and is correct at time of going to print. NBG and Free-2-Travel reserve the right to make alterations to any detail without notice.
b. All leisure rewards, airfares, accommodation, tour packages are subject to availability.
c. Accommodation within Australia as set out in the NBG Rewards directory is quoted at a point per room rate, on a twin share basis, in a standard room, on a one-night stay rate - unless otherwise stated. For variance i.e. single travellers, family room requirements, additional people etc there may be an increase, or difference in the number of points required. Please always check this when making your reservation.
d. Travel insurance is not included with any travel. NBG and Free-2-Travel Holidays strongly urge you to seek advice on obtaining insurance and you can discuss this with a Free-2-Travel consultant at the time of making your reservation.
e. Due to variations in rates due to seasonal factors, Customers are reminded to check the Directory and with Free-2-Travel Holidays for confirmation of the points rate applicable to the date and time of their intended travel plans.
f. Transport to and from accommodation and/or activities, meals and all other ancillary costs are the responsibility of the Customer.
g. Accommodation houses, hotels, resorts, activities, tours, car hire, flights and all electrical goods described in this Directory are based upon information provided by the supplier. NBG and Free-2-Travel Holidays reserve the right to make alterations to any details without notice and all packages and accommodation are subject to change.
h. Customers may choose a combination of points Reward redemption’s at different locations throughout the redemption period.
I Points have no monetary value and therefore cannot be used to part-purchase extra nights. However you may purchase additional night’s accommodation from Free-2-Travel Holidays special discounted rates at the time.
j. Unused Points have no monetary value or surrender value.

3. DOMESTIC BOOKINGS

a. Free-2-Travel Holidays must receive Domestic booking requests at least 7 working days prior to first date of travel.
b. Customers must phone, fax or email Free-2-Travel Holidays directly to redeem their Points and book NBG Express rewards. Full details of the booking procedure can be found in the NBG Rewards Directory.
c. All names of passengers travelling must be advised at time of booking.
d. ONCE BOOKING IS CONFIRMED Once the Customers Domestic booking is confirmed the Customer will be contacted either by email, phone or fax and advised of booking confirmation. Free-2-Travel Holidays will then post to the client Service Vouchers. The Vouchers will be required upon check in and will cover the cost of the Service being used (including GST). Vouchers are not transferable.
e. AMENDMENTS Free-2-Travel Holidays will assist with all bookings and booking amendments. Amendments will be charged at $20 per change per booking, with any additional charges being passed onto you, the Customer.

4. DOMESTIC CANCELLATIONS

a. Customers will be advised of Domestic Supplier cancellation fees at time of cancelling the booking.
b. If a Customer wishes to cancel a Domestic booking they must phone Free-2-Travel Holidays and advise of the cancellation at least 72 hours prior to Service being provided.
c. If a Customer wishes to cancel a Domestic booking inside 72 hours, it will result in a 100% cancellation fee. If a Customer wishes to cancel outside 72 hours prior to the Service being provided, please phone Free-2-Travel Holidays to be informed of specific cancellation fees.
d. Free-2-Travel Holidays will charge a minimum $20 for all cancelled bookings.
e. Domestic Peak periods will incur a higher cancellation fee, anywhere up to 100%. Peak periods are as follows, BUT are not limited to: Long Weekends, Public Holidays, and School Holidays including the Christmas New Year period from 15 Dec to 15 Jan.
f. A refund of Points after booking has been cancelled will not be processed until Free-2-Travel Holidays receives the service vouchers at PO Box 1486, Neutral Bay, NSW 2060.
g. No Refund will be given on unused services.
h. CORRECT SPELLING OF NAMES Please check and ensure that the names you are using to make a booking with Free-2-Travel Holidays are exactly as per your Identification.
i. Any name, initial or spelling changes may incur a fee of $20 per person, per change on Domestic bookings.
j. FREQUENT FLYER / REWARD POINTS Frequent Flyer / Reward Points may or may not accrue points. The decision rests with the Supplier and is not the responsibility of Free-2-Travel Holidays.

5. GENERAL - HOTEL DESCRIPTIONS

a. Hotel descriptions featured are based on current information provided by hotel guides.
b. Any facilities shown as included are subject to change at any time.
c. Hotel room photographs may not be specific to actual room occupied.
d. ROOM BEDDING GUIDE Prices in this brochure are based on existing bedding in the room.
e. Requests for particular arrangements must be made at the time of booking, e.g. twin share, double bed – these requests are never guaranteed.
f. When a Triple Room is booked, this is usually based on existing bedding, which means in some cases adults will have to share the same bed. 3 separate beds are not always given.
g. The bedding Guide is provided purely as a guide. It is subject to change at any time.

6. CAR RENTAL

a. All drivers must be over 25 years of age.
b. Specific car models cannot be reserved. Any vehicle within the same category type may be supplied.
c. All additional charges relating to car rental must be paid directly to the Car rental company at the time of vehicle collection. The include items such as bonds, fuel, one-way fees if applicable, fees for additional drivers, optional coverage such as Personal Accident Insurance, Personal Effects Insurance and Liability Insurance supplement.
d. No refund of any unused period of rental. Cars cancelled 2 days or less prior to commencement will be charged a cancellation fee of 100% or the rental car.

7. LOCAL TOURS / SIGHTSEEING SERVICES

a. Are provided by selected local transportation companies. Companies providing local ground services are subject to change without notice.

8. ELECTRICAL AND WHITE GOOD EQUIPMENT

a. Are provided with the standard manufacturer warranty and as such if there are any service problems with this equipment, it must be returned to the supplier (Harvey Norman) and will be either fixed or replaced as per warranty purchase conditions.