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Ramsgate RSL Memorial Club Ltd ABN 15 000 967 340 acts as an authorized representative of Next Payments Pty Ltd ABN 59 160 985 106, AFSL 4744743. Next Payments Pty Ltd is the distributor of the product and manages the prepaid product on behalf of Cuscal Ltd ABN 95 087 822 455, AFSL 244116. Cuscal Ltd is the issuer of the product. Any provided advice is general and does not take into account your objectives, financial circumstance or needs. Read the Product Disclosure Statement and Target Market Determination before making a decision and consider when the product is right for you. Please ensure that you read and understand the Ramsgate RSL Memorial Club Ltd members and rewards terms and conditions.