Important Documents

Documents on this page are provided in Adobe PDF format. If you do not have the Adobe Acrobat Reader software installed on your device you can download it from the Adobe website.

Website Terms and Conditions

Your use of the WBS website indicates your acceptance of the terms and conditions outlined in this document.

myWBS Terms and Conditions

These myWBS Terms and Conditions apply to the WBS customer portal, myWBS, and operate in conjunction with the normal terms and conditions associated with your WBS account or accounts.

Product Disclosure Statement

Our Product Disclosure Statement provides you with essential information to help you decide whether you would like to invest.

WBS Annual Report

WBS has been supporting the Wairarapa region by providing options for investors who want to obtain a great return and support home owners and business. Download our latest Annual Report to learn more.

WBS Credit Rating Report

A credit rating is an independent opinion of the capability and willingness of an entity to repay its debts (in other words, its credit worthiness). A credit rating should be considered alongside all other relevant information when making an investment decision.

WBS Privacy Policy

WBS recognises the importance of protecting your privacy. When dealing with personal information, we comply with the Privacy Act 2020. Personal information is information about an identifiable individual (a natural person). In our situation, identifiable individuals are likely to be our clients, potential clients and visitors to our website/s. This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, see

WBS Debt Security Trust Deed

The society, the Guaranteeing Subsidiaries and the Supervisor (the latter as Trustee) are parties to a Debt Security trust Deed dated 28 November 2003 (as amended and supplements to date, the “Original Trust Deed”).

The Financial Markets Conduct Act 2013 (the “FMC Act”) and the Financial Markets Conduct Regulations 2014 made under it (the ‘Regulations”) require the Original Trust Deed to specify certain matters. Download to learn more.

WBS Rules

As a member based organisation, you set the rules. Download here to find out what they currently are.

Early Repayment of Term Investments

Term Investments are ordinarily repayable at the end of the agreed term, but here at WBS we understand that sometimes unexpected costs can arise and you may need access to your funds before maturity. We may agree to repay your Term Investment earlier than the agreed maturity date if your situation meets our criteria.

Dispute Resolution Process

WBS understands that occasionally misunderstandings, mistakes and disagreements occur. We therefore have a process for dealing with such circumstances.

In the first instance, any one of our staff can help to resolve a problem. Should a staff member not be able to help you come to a satisfactory resolution, then you can ask for the relevant manager to assist and review your case.

If you are still not satisfied after dealing with the relevant manager then your query can be escalated to the Chief Executive Officer and/or Board.

As a financial service provider, WBS is a member of an approved dispute resolution scheme – the Insurance and Financial Services Ombudsman (ISFO).

If the WBS internal process has been unable to bring about a satisfactory resolution then you can contact the Insurance and Financial Services Ombudsman through the following link:

For more information about this process, please see our Complaints Procedure.

If you are looking for our financial documents, please click here.