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    ^^ To qualify for these 0% interest offers, purchases must be made using a Gem Visa or Gem CreditLine card issued by Latitude Financial Services Limited. 0% interest offers available on advertised or ticketed price. Credit and lending criteria and fees apply. For 12 & 24 months of Instalment Interest Free with Gem Visa or Gem CreditLine as an Instalment Plan Advance/CreditLine Select Advance. Amount payable will be shown on your monthly statement. If you don鈥檛 make your minimum monthly payment as provided in your statement, for two consecutive months, you agree that all Instalment Interest Free plans will change to an Interest Free plan for the remainder of the original plan鈥檚 term. For Gem Visa, a $55 establishment fee and $55 annual fee (charged $27.50 half yearly) apply. For Gem CreditLine, a $55 annual fee (charged $27.50 half yearly) applies. A prevailing interest rate of 29.49% p.a. applies to Gem Visa and 29.95% p.a. applies to Gem CreditLine. Interest will be charged on any outstanding balance upon the expiry of the interest-free period. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Available on participating Gem Visa or Gem CreditLine credit cards only. Credit provided by Latitude Financial Services Limited. See terms & conditions for more information. For further information on your Gem Visa or Gem CreditLine account, please call 0800 500 505 or go to .

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