vti_encoding:SR|utf8-nl vti_author:SR|IMAC\\Phil vti_modifiedby:SR|Lenovo\\scribepj vti_timelastmodified:TR|01 Feb 2019 02:45:36 -0000 vti_timecreated:TR|09 Feb 2014 21:00:33 -0000 vti_extenderversion:SR|6.0.2.8161 vti_backlinkinfo:VX| vti_nexttolasttimemodified:TR|21 Nov 2018 05:06:16 -0000 vti_shadowfiles:VX| vti_cacheddtm:TX|06 Feb 2019 22:54:03 -0000 vti_filesize:IR|33476 vti_cachedbodystyle:SR| vti_cachedlinkinfo:VX|H|../../DefinedTerms/Defined_Terms_&_Documents.htm H|mailto:ausconsumer@choice.com.au H|http://www.choice.com.au H|Choice\\ Submission.pdf H|http://www.choice.com.au/campaigns H|http://www.choice.com.au/ccu vti_cachedsvcrellinks:VX|FHUS|CreditCards/DefinedTerms/Defined_Terms_&_Documents.htm NHUS|mailto:ausconsumer@choice.com.au NHHS|http://www.choice.com.au FHUS|CreditCards/RBA/Surcharging/Choice\\ Submission.pdf NHHS|http://www.choice.com.au/campaigns NHHS|http://www.choice.com.au/ccu vti_cachedneedsrewrite:BR|true vti_cachedhasbots:BR|true vti_cachedhastheme:BR|false vti_cachedhasborder:BR|true vti_botnavbits:SW|C vti_botnavbarthemes:VR| vti_botnavbarfeatures:VR| vti_borderaggregate:SR|default vti_metatags:VR|HTTP-EQUIV=Content-Language en-au HTTP-EQUIV=Content-Type text/html;\\ charset=windows-1252 vti_charset:SR|windows-1252 vti_language:SR|en-au