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    How competitive are the interest rates, fees, and charges? How clearly explained are they?
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    Product features

    How does the product rate on additional features, for example, flexible options, rewards programs, other extras?
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    Customer service

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    Convenience

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    Trust

    How reliable and trustworthy are they? How confident are you that they will look after your needs?
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    Overall rating

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    Tell us WHY you like or dislike this product. What pros and cons should people be aware of if they are interested in this product?
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    TERMS & CONDITIONS

    1. This competition is open to Australian residents only, commencing 14 November 2011. Entries close on 31 March 2012.
    2. The promotional material, information on how to enter and prize details form part of these rules. To be eligible to enter the competition, you must reply in accordance with the conditions specified in this promotion.
    3. Mozo reserves the right to verify the validity of entries and to disqualify any entrant for tampering with the entry process or for submitting an entry which is not in accordance with either the conditions of entry or our Terms of Use - Ratings and Reviews.
    4. The winners will be judged at Mozo Pty Ltd Suite 205, 177 William Street, Darlinghurst NSW, on 8 April 2012.
    5. This is a game of skill. Each entry will be individually judged and the best entry will be determined by the judges. The judges' decision is final and no correspondence will be entered into.
    6. One major prize-winner will receive a 16GB Apple iPhone 4S valued at $799.00. 3 runners-up will receive a $100 gift voucher each for either ColesMyer or Bunnings. Total Number of prizes: 4. Total value of giveaway: AU$1099.00. Prize is not redeemable for cash.
    7. The prizewinners will be notified by email within one week after the winner is selected. If a winner cannot take the prize as stipulated or if it is unclaimed, the winner's entry will be deemed invalid and the Promoter reserves the right to award the prize to the next best valid entry.
    8. All entries become the property of the promoter and may be used in print and all electronic media. The promoter may use the entries for promotional, marketing and publicity purposes. The promoter's decision on all matters pertaining to this promotion is final.
    9. The promoter is Mozo Pty Ltd (ABN 68 128 199 208), Suite 205, 177 William St, Darlinghurst NSW in Australia.
    10. The Promoter shall not be liable for any loss or damage whatsoever which is suffered (including, but not limited to direct or consequential loss) or for any personal injury suffered or sustained in connection with any prize except for any liability, which cannot be excluded by law.
    11. The collection, use and disclosure of personal information provided in connection with this competition are governed by our Privacy Policy.
    12. All terms and conditions and notices must be read.

    Cellarmasters Discount Voucher

    1. $50 Cellarmasters voucher can be redeemed on your next wine purchase when you spend $120 or more on Cellarmasters.com.au.
    2. To be eligible for the voucher, reviews must be submitted in accordance with Mozo's Terms of Use – Ratings and Reviews.
    3. Promotion ends 31 March 2012.