CAR LOANS: DISCLAIMER

	Download original version (size: 1.9 MB; duration: 01:00)
Released:	September 2007
Advertiser:	RACV
Brand name:	CAR LOANS
Agency:	CLEMENGER BBDO MELBOURNE
Country:	AUSTRALIA
Category:	Banking

Credits:

Advertising Agency: CLEMENGER BBDO MELBOURNE, AUSTRALIA, Melbourne
Executive Creative Director: James McGrath
Scriptwriter: Paul Reardon/Julian Schreiber
Agency Producer: Sevda Cemo
Account Supervisor: Hugh Nairn/Julian Shiff
Sound Engineer: Paul Le Couteur


Script in English
MVO1: OK. RACV car loans start from 8.75%. 8.75% and that's all. There's nothing else, really to say.

MVO2: Comparison rate of 9.02% calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. This comparison rate...

MVO1: Hey, Hey...Hang on. What are you doing, mate?

MVO2: Disclaimer Guy is reading the terms and conditions. Don’t interrupt Disclaimer Guy. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. A comparison rate schedule is available at racv.com.au. Subject to RACV lending criteria.

MVO1: Mate…that’s not what the ad's about.

MVO2: Disclaimer Guy disagrees. Disclaimers are an important legal requirement for credit advertising.

MVO1: Stop that!

MVO2: Do you want to take this outside?

MVO1: What?

MVO2: Outside. You and me. Right now.

MVO1: No. I don’t want to take it outside. What’s wrong with you?

MVO2: Then don’t interrupt Disclaimer Guy. I’m serious. Don’t even test me. I’ll bring the hammer down so hard you...

MVO1: Just finish it quickly please.

MVO2: Conditions, fees and charges apply. To apply call 13 15 60 or visit racv.com.au

MVO1: Thank you. RACV Car Loans from 8.75%. That’s really good…mate, you really ruined the moment there you know that?

MVO2: Disclaimer guy holds no responsibility for the ruining of moments or moments ruined therein.

MVO1: What?
Brief Explanation
RACV wished to announce their new Car Loan Rate of 8.75%. However, when advertising this rate, RACV’s in-house legal team discovered that it must be ‘covered’ by a lengthy legal disclaimer – roughly 30 seconds worth. However this in fact turned out to be a blessing in disguise as it prompted us to conceive a humorous way of transforming what would normally be a dry financial message into something entertaining to listen to.