Save to Win Account™ Combined Financial Services Guide and Product Disclosure Statement Bank of Queensland Limited
This document must be read in conjunction with the Save to Win Account ™ Promotion Terms and Conditions, the Personal Deposit - Interest Rates and the Electronic Banking Terms and Conditions. Together they form your Product Disclosure Statement for this product.
October 2021
Outward
CONTENTS 1. Part A - Financial Services Guide 3 2. Part B - Product Disclosure Statement 8 3. INTRODUCTION CONTENTS 8 1. Part3.1 A Welcome- Financi alto ServBankices of GuQueenslandide 38 2. Part3.2 B How- Product does thisDisclosure document Statement affect you? 8 3. INTRODUCTION3.3 Need to know more? 8 4. 3.1 THE ACCOUNT Welcome to Bank of Queensland 98 3.24.1 HowDescription does this document affect you? 89 3.34.2 NeedSummary to know of Account more? features and benefits 89 4. THE4.3 ACCOUNT Significant risks of the product and other important information 109 4.14.4 DescriptionOpening an Account 129 4.24.5 SummaryAllowing othersof Account to use features your Account and benefits 139 4.34.6 SignificantOperating your risks Account of the product and other important information 1310 4.44.7 OpeningPrize Payments an Account 1216 4.54.8 AllowingConclusion others of Save to useto Win your Account™ Account Promotion 13 4.6 Operatingand Subsequent your Account Promotions 1319 4.74.9 PrizeInterest Payments Rates 1620 4.84.10 ConclusionWhen you stopof Save using to youWin Account Account™ Promotion 20 4.11 WhenandAutomatic Subsequent we can re-entry operate Promotions into on future your Account Save to Win Account™ Promotions 19 2221 5. 4.124.9 FEES AND OurInterest rightOOTHERTHER Rates to COSTS combine Accounts 222021 4.134.105.1 ClosingWhenAccount you Accounts operating stop using fees you and Account charges 202221 4.14 Automatic re-entry into future Save to Win AccountTM Promotions 22 4.115.2 AutomaticElectronic Bankingre-entry into future Save to Win Account™ Promotions 2223 5. FEES5.3 AND International OTHER COSTS Services 2224 5.15.4 AccountGeneral Servicesoperating fees and charges 2225 6. 5.2PAYMENT Electronic SERVICES Banking 2723 5.36.1 InternationalPayment Services Services 2427 5.46.2 GeneralBranches Services 2527 6. PAYMENT6.3 ATMs SERVICES 27 6.16.4 PaymentBank Cheques Services 2728 6.26.5 BranchesCheques 2729 6.36.6 ATMsEFTPOS 2733 6.46.7 BankEasyPhone Cheques Banking 2832 6.56.8 ChequesInternet Banking 2932 6.66.9 EFTPOSBank@Post 3233 6.76.10 EasyPhoneDirect debits Banking 3233 6.8 Internet Banking 32II. 6.9 Bank@Post 32 27588WIN0075396 BOQ G611 BOQ Save 6.10G611 to Save Win Direct toAcct Win Fin debits PDS Svcs FSG_A5.indd Guide.indd 33 3317/10/113/9/19 5:519:03 pmAM II.
27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 3 17/10/11 9:03 AM 6.6 EFTPOS 33
6.7 EasyPhone Banking 32 6.7 Internet Banking 32 6.11Business DirectDay is an Creditsy day on which banks in Melbourne or Sydney are able to effectsettlement through the Reserv34e 6.11BC6.8anardk iof s anA Directuystr caalia.rd, issu Creditsdebitsed to yo u by us which can be used to operate your Account using Electronic Equipment. 3432 6.12 Transfer orders 34 6.9 Direct credits 33II. C6.13ode is a MailPIN, P ersodepositsnal Acce ss Code, Value Authorisation Code or any similar information which may be required35in 6.10order to a Transferccess your Aordersccounts and which youare required to keep secret. 34 6.14 Telegraphic transfers 35 27588 BOQ G611 Save 6.11Credi tto Car Win Mailds Acctmea deposits Finns t Svcshe BOQ Guide.indd credit ca rd 3issued by Citigroup Pty Ltd ABN 88 004 325 080. 3517/10/11 9:03 AM 6.15 Bankis the accodraftsunt holder (if an individual) or the person who is authorised to act solely on behalf of the 35 C6.12ustomer Telegraphic transfers 35 account holder (if a company). 6.16 Foreign currency cheque deposits 35 Dai6.13ly Closin Bankg Balanc draftse me ans the balance of funds received in an Account as at the end of processing for that da35y and subject to section 2.10(h) of the . 6.146.17 Foreign currency chequesalesSave and to depositsWin purchases Account Promo tion Terms and Conditions 3536 Dai6.18ly Prize Fees Payou andt Amo Chargesunt is the amount calculated as follows (negative account balances will be excluded from36 th6.e15 dai ly p Foreignayoutamo currencyunt): sales and purchases 36 7. 6.16ELECTRONIC Fees and ACCESS Charges METHODS 36 7.1 Terms and conditions of Electronic25% Access of the Methods RBA Target Cash Rate applicable on that 36 7. ELECTRONICSum of the Daily ACCESS Closing Balance METHODS of X 36 each Account open on that day day 7.2 Some rules about your Card 36 7.1 Terms and conditions of Electronic Access Methods365 days 36 7.3 Some rules about Electronic Access Methods 38 Dra7.2win g SomeDate me rulesans the aboutrelevant yourdates aCards set o ut in section 2.9(e) during the Promotion Period when the winner36s of7.37.4 th e Prize SomeProtecting Payme rulesnts wi ll yourabout be de tCard,er Electronicmined. PIN No dranda wAccess wiotherll take MethodsplCodesace durin g the first month of the Promotion Period.3839 E7.5asyPhone WhatBanking to medoans if o uyour telepho thinkne ba thatnking yourservice security using the n hasatura lbeen langu acompromisedge voice recognition system 40 which7.4 ena Protectingbles you, havin yourg entered Card,in sec PINurity anddetails other, to effec Codest transac tions on Nominated Accounts by speaking 39the req7.57.6ues ts cle WhatYourarly intliability too t hedo p honif for youe an authorisedd thinkrespondin thatg t otransactions thyoure prompt securitys give n. has been compromised 4041 ePayments Code 7.67.7 YourLiability liability for Unauthorised for authorised Transactions transactions 41 EF7.77.8TP OS me LiabilityLimitationans an elec fort roon niUnauthorisedc ourfunds liability transfer ser Transactionsvice available at point of sale. 4241 8.EF 7.8GENERALTP OS Wit Limitationhd TERMSrawal Fee* onAND mea ourns CONDITIONS aliability fee charged for EFTPOS transactions on your account. 4342 Either to Operate Account is a joint Account where each Account holder can transact under the Account 8.in GENERAL8.1depende Changesnt of TERMS the ot htoer ANDAccotermsunt CONDITIONS holandder( conditionss) and with out ofrestriction. Banking Services 43 Ele8.18.2ctr oni ChangescIf Acce youss getM etto hodinto termsis afinancial met andhod thatconditions difficulty you use to iof nstr Bankinguct us to de biServicest or credit an Account through Electronic43 Equipment, and which requires youto use a Card, Identifiers, Codes or combinations of these. It does not include a me8.28.3th od tha IfMaintaining t yourequi resget you into t osecurity si gnfinancial a voucher , difficultyreceipt or other document (for example, when you present your Credit44 Card and sign a voucher to pay for goods or services). 8.38.4 MaintainingCovering us forsecurity loss 44 Electronic Equipment is an electronic terminal, computer, television, telephone or similar equipment and includes ou8.48.5r br anc CoveringCustomerh teller termi na usintegrityls ,for our ATMsloss , ATMs of other financial institutions, EFTPOS terminals and any other 44 authorised electronic terminal or device connected to our electronic banking system from time to time. 9. 8.5GENERAL Customer INFORMATION integrity 44 Electronic Transaction isatransfer of funds initiated by an instruction you give through Electronic Equipment 9.usin GENERAL9.1g an E Codelectro INFORMATIONni ofc Acce Bankingss Method Practice t o debit or credit an Account and includes, for example: 44 9.19.2 BankingEFT Code Code of Conduct of Practice 44 9.29.3 EFTAnti Code money of launderingConduct 44 9.39.4 !NTI MONEY LAUNDERING ECONOMIC AND TRADE SANCTIONS If you have a problem or dispute 4445 9.49.5 IfChanging you have your a problem details or dispute 4546
Eligible9.59.6 Acc ChangingContactingount means your ayou Save details to Win Acco unt™ open for the whole of the relevant calendar month, holding 46 a9.7 Minimu Privacym Monthly and Balan confidentialityce of AU$250 and not with BOQ Fraud for any day during that relevant calendar month46 or9.6 closed Contactingby you prior to thyoue en d of the previous month. 46 Eligible9.79.8 E PrivacyThentry merelationshipan sand an e ntconfidentialityry a sbetween described in banker sec tion 2.7 and of th customereSave to Win Account Promotion Termsand Conditions.46 10.9.9I 9.8DEFINITIONSdenti fier TheFinis inanc forrelationshipma ialtion Claims that yo ubetween Schprovideem throe bankerugh Electro andnic Equicustomerpment to access your Accounts and which you ar4746e not required to keep secret (for example, your Account number). 10.11. DE PartFINI C T-ION SaveS to Win Account™ Application Form 4751 10.9.9Inte DEFINITIONSrme diFinatePrizePanc ialaym Claimsent mea nsSch theem amoe unt determined in accordance with section 2.8(c)(ii) of the Save to Win47 10.11. DEA PartccoFINIu ntC T- PromoION SaveSti on to T erWinms an Account™d Conditions. Application Form 4751
III.
III. 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 4504 17/10/113/9/19 5:519:03 pmAM 1. Part A - Financial Services Guide
Financial Services Guide Save to Win Account 1 May 2015
This Financial Services Guide (FSG) is an important document.
You should read it carefully and make sure you understand it. If there is anything in this FSG that you do not understand, please contact us.
give you a PDS if we are offering, or recommending that you acquire, a financial product. The PDS contains information
and benefits of the product.
What financial services do we provide? Our Australian Financial Services License authorises us to deal in, and provide advice in relation to, the following types of products:
Who do we act for? We generally provide the services described in this FSG on our own behalf. However, we also provide services in relation to products issued by third parties. When we provide such services, we act for the issuer of those products. The table below sets out the third party products in relation to which we provide services and the issuers that we act for in providing those services.
Third party product Who we act for General insurance Vero Insurance Limited
Consumer credit insurance St Andrew's Insurance (Australia) Pty Ltd and St Andrew's life Insurance Pty Ltd
Credit card protection insurance MetLife Insurance Limited
Travellers' cheques American Express Travel Related Services Company In for American Express travellers' cheques
Cash Passport Debit Card Travelex Limited as distributor of the issuer, Heritage Building Society Limited
3.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 55 17/10/113/9/19 5:519:03 pmAM How do we get paid? 4HERE ARE FEES AND CHARGES APPLICABLE TO A 3AVE TO 7IN !CCOUNT© $ETAILS OF THE FEES THAT RELATE TO THE 3AVE TO 7IN !CCOUNT© ARE SET OUT IN THE 0$3 WHICH IS 0ART " OF THIS DOCUMENT We also receive commission on sales of products issued by third parties. We will provide you with a separate FSG if we provide you with services in relation to those products.
How do our staff and other representatives get paid? We pay our staff a salary. We may also offer monetary or non-monetary incentives to our staff and other representatives for achieving performance targets. These targets relate to business initiatives aimed at attracting and retaining customers or providing banking products and services. These benefits are not linked to individual transactions or customers. These incentives are discretionary, and are based on achievement of individual Key Performance Indicators (KPIs). KPIs may include: s CUSTOMER SERVICE ORIENTATION s COACHING s TEAMWORK s SALES ABILITY s INITIATIVES s COMPLIANCE From time to time, staff and other representatives may receive monetary or non-monetary benefits for achieving specific targets in respect of certain business initiatives. For example, at the date of this FSG, the Bank has an initiative where certain authorised representatives receive a commission of 0.10% of the growth in the average monthly deposit portfolio at their particular branch. If the average monthly deposit portfolio in one month is $1,000,000 and the average monthly deposit in the next month is $2,000,000, then the calculation of the monthly commission payable is as follows: [($2 million - $1 million) x 0.10%] = $1,000. Staff and other representatives may also be eligible to: s RECEIVE A FREE GRANT OF "ANK OF 1UEENSLAND SHARES UNDER OUR %MPLOYEE 3HARE 0LAN s PARTICIPATE IN OUR LONG TERM INCENTIVE PROGRAM WHICH OFFERS SHARES AND OPTIONS THAT VEST IN THE FUTURE PROVIDED that Bank of Queensland attains certain performance hurdles. Eligibility for participation in the long-term INCENTIVE PROGRAM IS ENTIRELY DISCRETIONARY AND s RECEIVE MONETARY AND NON MONETARY INCENTIVES FOR ACHIEVING SPECIlC TARGETS IN RESPECT OF CERTAIN BUSINESS initiatives (for example, opening a certain number of transaction accounts in a month). The value of these incentives will not exceed $5,000 per staff member for each business initiative. We may have arrangements with other companies in the Bank of Queensland group for services to be provided in relation to the financial services to which this FSG relates. We may pass these companies contracted payments under the terms of our arrangement. These payments are not linked to individual transactions or customers. You may request more information about these payments but the request must be made within a reasonable time after you are given this FSG and before any services described in this FSG are provided to you.
Do we pay for referrals? We do not pay for commissions or provide other benefits to any person for referring customers to us in connection with the financial services to which this FSG relates. Our products and services are distributed through a network of agents, known as Owner Managers. The benefits that we give our Owner Managers do not affect the costs of the banking services we provide. If you are dealing with an Owner Manager, set out below is a summary of the commission that the Owner Manager will receive in relation to the Save to Win Account™.
4.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 66 17/10/113/9/19 5:519:03 pmAM Product/Service Commission Formula/Range How the Commission is paid Transaction, saving and Average daily balance of all accounts domiciled at the Commissions are paid to investment accounts Owner Managers monthly funding and the average interest rate paid x between 12% and 20% x days in month/365
For example, a customer deposits $100,000 with the Owner Managed branch on 15 April 2004 in an Ultimate Account. At the end of the month the average daily balance will be $50,000 (i.e. 15/30 x $100,000).
cost of funding* and the average interest rate paid** is 4.46% and our commission is 16%*** then the calculation of the monthly commission payable to the Owner Manager is as follows:
[$50,000 x 4.46% x 16% x 30 (i.e. no. of days in month)]/365 = $29.33.
** The average interest rate paid will vary depending on the interest rate applicable to the Ultimate Account from time to time.
*** The worked example uses the commission rate of 16% (the median between 12% and 20%).
The Owner Manager may also receive monetary and non-monetary benefits in respect of certain business initiatives of the Bank. These business initiatives generally operate for short terms (up to 6 months) and are designed to focus the Owner Managed
to time.
For example, at the date of this FSG, the Bank has an initiative to pay the Owner Manager a commission of 0.10% of the growth in the average monthly deposit portfolio at the particular branch.
If the average monthly deposit portfolio in one month is $1,000,000 and the average monthly deposit in the next month is $2,000,000, then the calculation of the monthly commission payable to the Owner Manager is as follows:
[($2,000,000 - $1,000,000) x 0.10%] = $1000
Fees associated with transactions In respect of some fees, 0% to 50% of the fee Commissions are paid to Owner or services performed in relation to collected where the transaction or service is Managers monthly. transaction, saving and investment performed at the Owner Managed branch. In respect accounts, funds transfer and of other fees, 0% to 50% of the fee collected where electronic payment methods
The Owner Manager will provide you with a separate FSG if they provide you with financial services in relation to other Bank products.
5.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 77 17/10/113/9/19 5:519:03 pmAM How do the Owner Manager’s staff get paid? Owner Managers pay their staff a salary. Owner Managers may also offer monetary or non-monetary incentives to their staff and other representatives for achieving performance targets. These targets relate to business initiatives aimed at attracting and retaining customers or providing banking products and services. These benefits are not linked to individual transactions or customers. These incentives are discretionary, and are based on achievement of individual Key Performance Indicators (KPIs). KPIs may include:
targets in respect of certain business initiatives (for example, opening a certain number of transaction accounts in a month). The value of these incentives will not exceed $5,000 per staff member for each business initiative. You may request more information about these payments but the request must be made within a reasonable time after you are given this FSG and before any services described in this FSG are provided to you.
How you can provide us with instructions You can contact us by using the contact details set out in this document. Instructions can be provided to us in person at one of our branches. In some cases, instructions may also be provided to us by telephone or through our internet banking service. However, some of our products and services have their own rules around how you are to provide us with instructions. You should refer to the product disclosure statement for the relevant product for these details.
Do we have any relationships or associations with a financial product issuer? subsidiaries. Neither we nor any of our related companies guarantee the benefits payable under the insurance products issued by SAI or SALI.
If you have a problem, complaint or dispute (a) Our service commitment At Bank of Queensland we are committed to providing our customers with innovative banking solutions and the best customer service experience.
Resolution of problems is a priority to us. If at any time our service does not meet your expectations we would like you to let us know.
(b) How to contact us If you have a complaint, there are a number of ways to contact us: i. Contact your local branch manager or Business Banker. ii. Call us on 1300 55 72 72, 24 hours a day, 7 days a week. iii. Complete the online complaints form at www.boq.com.au/feedback-and-complaints iv. Contact our Customer Relations Department via:
Email: [email protected] Call: 1800 663 080 Mail: Customer Relations Reply Paid 2258 BRISBANE QLD 4001
6. (c) How will your complaint be handled? If we cannot solve your problem on the spot, we will let you know who is handling your complaint and how long it is likely to take for it to be resolved.
For further information about how we handle complaints, ask our friendly staff for a copy of our Complaint Guide or alternatively download a copy available on our website
Please note we comply with the ePayments Code complaint investigation and resolution procedures in connection with electronic transactions to which the Code applies.
(d) What to do if you feel your complaint has not been resolved? If you’re unhappy with our response you can approach the Australian Financial Complaint Authority (AFCA). AFCA provides a free and independent complaint resolution service for financial services. To contact them you can:
Call: 1800 367 287 Email: [email protected] Online: www.afca.org.au Write to: GPO Box 3 Melbourne VIC 3001
The Australian Securities and Investments Commission (ASIC) also has an information line: 1300 300 630. You can use this number to make a complaint and obtain further information about your rights.
(e) Professional Indemnity Insurance We are regulated by the Australian Prudential Regulation Authority and exempt from the compensation requirements in the Corporation Regulations. Notwithstanding the exemption, we hold professional indemnity insurance cover. The insurance covers work done for us by our representatives (including our employees) after they cease to work for us.
How can you contact us? You can contact us by: • calling our Customer Contact Centre on 1300 55 72 72; • visiting our website at www.boq.com.au; • emailing us via the contact us page on our website; • writing to us at GPO Box 898, Brisbane QLD 4001; or • visiting our branch.
Issuer: Bank of Queensland Limited ABN 32 009 656 740 AFSL No. 244616
7. 2. Part B - Product Disclosure Statement 3. INTRODUCTION
3.1 Welcome to Bank of Queensland
booklet, the Save to Win Account Promotion Terms and Conditions, the Personal Deposit - Interest Rates and the Electronic Banking Terms and Conditions. Together, those documents comprise our Product Disclosure Statement (PDS) for the Account.
We encourage you to take time to read this PDS and the other material provided to you. It has been produced to help you decide whether the Account is the right account for your needs. Please contact us if you want more information regarding the banking services we offer. However, we are unable to advise whether this Account is the right account for you and you will need to form your own view regarding whether this product is appropriate for your objectives, financial situation and needs.
3.2 How does this document affect you? This document will apply to all Accounts opened with Bank of Queensland from 1 November 2011.
The Save to Win Account™ Promotion commences on 1 November 2011 and concludes 31 October 2012. For any periods during with a Save to Win Account™ Promotion is not conducted, Accounts will continue to operate on the same terms and conditions as set out in this PDS, the Save to Win Account™ Promotion Terms and Conditions, the Personal Deposit - Interest Rates and the Electronic Banking Terms and Conditions documents, save for the terms and conditions relating to Prize Payments and Prize Draws.
3.3 Need to know more? You can contact us at any time if you would like any further information, or a copy of the current –Save to Win Account Promotion Terms and Conditions, the Personal Deposit - Interest Rates and the Electronic Banking Terms and Conditions. The Account is issued by Bank of Queensland Limited ABN 32 009 656 740 (BOQ). You can contact BOQ in the following ways:
our product and services and they will do their best to address any concerns immediately.
email: [email protected] telephone: (07) 3212 3240 fax: (07) 3212 3286 mail: Customer Relations Reply Paid 2258 have done this. We recommend that you also contact the party that debits the payment to inform them that the direct debit has been cancelled. BRISBANE QLD 4001
6.11 Direct Credits
(a) Features and benefits You can authorise any person (e.g. your employer) to electronically credit funds to your Ac Current terms and conditions for the Account are availableneed tato eanynter BOQ into Branch formal orar rcanang ebem downloadedents with the from perso wwn ww.ho will be crediting your boq.com.au . Fees and charges apply to the account. We have not addressed your objectives, financial situation or needs. You should obtain and consider all of the relevant terms and conditions before making any decision about (b) Some rules about direct credits whether to acquire or continue to hold an Account. To institute a direct credit arrangement, you will need to give your personal details, number, to the person who will be crediting your Account. If you wish to stop the direct credit arrangement, you will need to instruct the per crediting your Account directly. We are unable to stop direct credits from being deposited int your Account.
8. If you close you Account, and do not notify the person who will be crediting your Account of your ne
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 1010 17/10/113/9/19 5:519:03 pmAM 4. THE ACCOUNT
4.1 Description The Account is a transaction account which provides at call access to your funds, plus during the Promotion Period Eligible Accounts are automatically entered into monthly draws with chances to win cash Prize Payments. The return on an Account is the combination of interest and any Prize Payments received by that Account. For the first
Thereafter, you will receive 1 entry for every whole dollar in your Account (up to 30,000 entries) based on your Minimum Monthly Balance, provided that you keep at least $250 in your Account throughout the entire month, and keep the Account for the full calendar month. Save to Win Account Promotion Terms and Conditions.
4.2 Summary of Account features and benefits The following table is effective from 1 November 20112014: Features and Benefits Save to Win Account™ Eligibility Personal customers only
Interest calculated on daily balance Yes
Interest calculation method (tiered) Yes
Interest paid monthly on last day of month Yes
Debit interest on unauthorised overdrawings Yes
Debit interest charged monthly on last day of month Yes
Regular statements issued Yes
Deposits allowed Yes
EasyCheque Deposit Facility Yes
Withdrawal restrictions There are no withdrawal restrictions on the Account, however, if the Daily Closing Balance in the Account falls below $250 at any time during the month, the Account holder is not eligible for Prize Payments in the next
Transfer orders able to be deducted from account Yes
Direct debits (withdrawals) permitted Yes
Direct credits (deposits) permitted Yes
Cheque No
Card access Yes1
Domestic ATM access Yes
Domestic Electronic Funds Transfer Point of Sale (EFTPOS) Yes act the party that debits the payment to inform them that access International ATM access and EFTPOS – account linked to a No1 Visa Debit Card
International ATM access and EFTPOS – account linked to a No2 Credit Card Internet Banking access Yes to your Account. You will ccount. Mortgage Off-Set Facility No
Minimum opening balance $1. However, if the Daily Closing Balance in an Account is below $250 at any time during the month, the Account holder is not eligible to receive entries into the following such as your Account Account is opened). on who will be s from being deposited into
9. r Account of your new
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 1111 17/10/113/9/19 5:519:03 pmAM Minimum and maximum term 1 to 31 October 2012. On 1 November 2012 all Accounts will be automatically converted into the subsequent promotion(s) unless you notify us in writing otherwise.
Additional deposit restrictions There are no additional deposit restrictions on the Account. However, each Account is allocated one entry to the Prize Draw for each whole dollar in that Account up to a maximum of 30,000 entries. Consequently, deposits to an Account which cause the balance of that Account to exceed $30,000 will not attract any additional entries into the Prize Payment draw.
Prize Payments During the Promotion Period Eligible Accounts are automatically entered into monthly draws with chances to win cash Prize Payments.
Eligibility for Prize Payments When you first open an Account, you will automatically
you will receive 1 entry for every whole dollar in your Account (up to 30,000 entries) based on your Minimum Monthly Balance, provided that you:
department For example:
into that Account, you will receive 150 entries into the prize draw in June, regardless of whether you make any further deposits or make any
withdrawals from the Account. Your closing balance for the month is $500. However, your Minimum Monthly Balance during the month was $350. You will therefore receive 350 entries into the prize draw in July.
A Visa Debit Card is not available on this Account. 2 This Account cannot be linked to a Credit Card.
For terms and conditions applying to Internet Banking, refer to Electronic Banking Terms and Conditions.
4.3 Significant risks of the product and other important information Cost of the product You can find details of fees and charges that apply to the Account at Chapter 5 of this PDS. Significant risks of the In an investment context, the risks relevant to your Account include the variability product of returns and the potential to lose your deposit. For other deposit accounts, the return on the deposit depends on the interest rate that applies to the relevant account. There is a possibility that the interest rate available under one of our other interest bearing accounts or deposit accounts of other financial institutions would produce a greater return to you than the chance
For example:
Account may receive no Prize Payments throughout the promotion period
(rounded down to the nearest dollar) in that Account up to a maximum of 30,000 entries. Consequently, deposits to an Account which cause the
to your cheque is the rate on the day the cheque is credited 10.to your Account, the exchange rate may be more or less favourable to you than when you requested the foreign currency cheque, or when you first
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 1212 17/10/113/9/19 5:519:03 pmAM additional entries into the Prize Payment draw. Therefore, deposits which cause the balance of your Account to exceed $30,000 could attract a greater return under one of our other interest bearing accounts or a similar account of other financial institutions.
Account, may reduce the Minimum Monthly Balance of an Account and therefore reduce the number of entries you have in a prize draw. If a withdrawal (including direct debits and internet banking payments) causes your Daily Closing Balance to fall below $250, you will not be
If we become insolvent or are wound up, you may not be able to recover funds deposited with us in the Account
section 2.3 of the Save to Win Account Promotion Terms and Conditions. If the
number of Prize Payments to be awarded will reduce accordingly
As provided in section 2.4 of the Save to Win Account Promotion Terms and Conditions, by holding an Account, you will be automatically entered into subsequent promotion(s) unless you inform us in writing that you do not wish to participate in the subsequent promotion(s). If you inform us that you do not wish to participate in a subsequent promotion, then we will remove you from the relevant promotion(s) by closing your Account.. There is a risk that if you fail to notify us in writing that you do not wish to participate in subsequent promotions you may be automatically entered into a subsequent promotion which is not suitable to you.
licences in South Australia, New South Wales, ACT and Victoria. There is a risk that the relevant State and Territory Authorities may decline approval for any future promotions. If this occurs, then you may no longer be eligible to participate in the
Commissions From time to time, we may provide our staff and Owner Managers with financial or non-financial incentives for achieving specific targets. These targets may relate to specific business initiatives aimed at the acquisition or retention of Accounts or the provision of Banking Services.
The value of these incentives will not exceed $5,000 per staff member or authorised representative for each business initiative.
We pay commissions to our Owner Managers, who run our Owner Managed Branches. Commissions paid to Owner Managers do not affect the cost of Banking Services to our customers. If you would like to know whether the branch you are dealing with is an Owner Managed Branch, please ask any of the branch staff.
Guide, available in Part A of this PDS. General tax information Any Prize Payment received by you is assessable income under Australian taxation law. Before acquiring an Account, you should seek independent advice regarding the tax implications of accepting a Prize Payment, having regard to your personal circumstances. By holding the Account, winners are deemed to have accepted the Prize Payment. Withholding taxes may be applicable against the Prize Payment for winners who are non-residents or who have chosen not to quote their tax file number. We are required by law to report all Prize Payments to the Australian Tax Office.
If you do not provide us with a tax file number, we must deduct withholding tax from any interest or Prize Payment that you earn, provided that your interest or Prize Payment exceeds a threshold amount. More information on withholding tax is set out in section 4.4(c) of this PDS.
We recommend that you obtain your own advice regarding all tax matters, as the tax effect of any product or transaction depends upon your individual circumstances.
to your cheque is the rate on the day the cheque is credited to your Account, the exchange rate may be 11. more or less favourable to you than when you requested the foreign currency cheque, or when you first
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 1313 17/10/113/9/19 5:519:03 pmAM 4.4 Opening an Account
(a) What we need from you You can open an Account by visiting any of our branches and signing a new Account form which authorises us to open the Account. We reserve the right not to open an Account in certain cases. We will also need to know: • your name, address, date of birth and occupation; • details of the name of the Account; • whether the Account will be held in trust; • details of all signatories to the Account; • any other name by which you or any signatories may be known (such as a maiden name); and • details of your beneficial owner including name,address and date of birth.
(b) New customers If you are not already a BOQ customer, please contact one of our branches to determine what identifica tion is required to open your Account.
Generally, you can satisfy our identification requirements by providing the following:
1. A current Australian drivers' licence. 2. A valid Australian passport.
(c) Tax File Number (TFN) It is not compulsory for you to give us your TFN. However, if you choose not to, we must deduct withholding tax at the highest marginal tax rate, plus the Medicare Levy, from any interest or Prize Payment that you receive. You can give us your TFN when you open your Account, or at any other time. For joint Accounts, each Account holder can provide their TFN. If you hold the Account in trust for another person, such as your child, you should quote your own TFN. However, if you are trustee of a formal trust, the TFN quoted should be that of the trust not your personal TFN. If you have not provided your TFN and you are an exempt person, withholding tax will not be deducted from your interest and any Prize Payments made to you. However, you must tell us which type of exemption applies to you. We are required to report details of interest income earned, Prize Payments, withholding tax deducted and TFNs quoted to the Australian Taxation Office. The Privacy Act imposes strict obligations on what we can do with your TFN. We will keep your TFN confidential.
(d) Joint Accounts You can open a joint Account with other people. If your Account is a joint Account you receive and agree to these terms and conditions as an agent for all other joint account holders, and anyone operating on that Account. You must pass on these terms and conditions to each of those persons. You and the other joint holders must sign an “Account Authority” which says how the Account is to be operated. A joint account can be closed in the same way it is operated, subject to our discretion. If you want to change the way the Account is operated, you must complete a new account authority. You (or any other joint holder) can tell us in writing that the Account requires the signatures of all joint holders. If you do, we will dishonour a cheque or withdrawal that is not authorised by all joint holders. We will also stop the use of all Cards on that Account. If we ask you to, you must return them to us.
If you or any other joint holders use your Cards to withdraw money from the joint Account before they are returned to us you will be liable for those transactions. Before you open a joint Account, you should understand that:
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27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 1414 17/10/113/9/19 5:519:03 pmAM 4.5 Allowing others to use your Account
(a) General If you tell us in writing, we will allow another person to use your Account. You are liable for all debts incurred by that person using your Account. Those debts include any overdrawn amounts and interest on those amounts. You can allow another person to only deposit to your Account. Deposits can be made to your Account by deposit slips,slips, EasyPhoneInternet Banking Banking, or Internetdirect credits. Banking or direct credits.
(b) What can an authorised person do? If you authorise another person to use your Account, that person can do most things that you could do yourself. For example, they can: s OVERDRAW YOUR !CCOUNT s ORDER ADDITIONAL STATEMENTS s RECEIVE PAYMENT OF DEPOSIT MONEY AND INTEREST s BE ISSUED WITH AN !CCOUNT !CCESS #ARD s GET ANY INFORMATION FROM US ABOUT YOUR !CCOUNT s AUTHORISE US TO MAKE PAYMENTS FROM YOUR !CCOUNT s DEAL IN FOREIGN CURRENCIES s GIVE US VALID RECEIPTS ON YOUR BEHALF The authorised person will not be able to: s OPEN NEW ACCOUNTS IN YOUR NAME s ALTER YOUR DETAILS s AUTHORISE ANY OTHER PERSON TO OPERATE ON THE !CCOUNT OR s CLOSE THE !CCOUNT
(c) Cancelling the authority You can cancel the authority at any time. We will act on this request as soon as we are notified of the cancellation. You will, however, be liable for: s ANY TRANSACTIONS MADE PRIOR TO THE AUTHORITY BEING CANCELLED REGARDLESS OF WHEN THE TRANSACTIONS ARE DEBITED TO THE !CCOUNT AND s ANY FUTURE DATED PAYMENTS CHEQUES OR AUTHORITIES ESTABLISHED BY THE PERSON YOU AUTHORISED PRIOR to the cancellation of the authority. 7E CAN ALSO CANCEL THE PERSONS AUTHORITY TO OPERATE THE !CCOUNT
4.6 Operating your Account
(a) Account information You can get Account information in a number of ways, including through our branches, on the phone or over the Internet. Accessing this information can incur a fee, depending on the type of service you choose and the frequency of your request (refer to Chapter 5 of this PDS).
(i) Statements We will give you a statement, showing all Account transactions since your last statement, at least every six months. You can request that statements be provided to you more frequently but there may be a fee for these more frequent statements. The statement shows the transactions that have been made on your Account since your last statement. Some transactions may not appear on the statement you receive in the mail, because those transactions have been credited or debited to your Account after your statement was produced.
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27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 1515 17/10/113/9/19 5:519:03 pmAM Your statement contains important information about your Account. You should note that:
are incorrect or not authorised by you, you should contact us as soon as possible.
your statement. Receipts will be available for each branch, ATM, or Internet Banking transaction that you conduct.
How to obtain information on your Account transactions Type of Description Fee Number of information applicable transactions available
Regular The statement that we regularly send to you. No All transactions Account since your last statement mailed statement
Additional copies If you want extra copies of your regular Account Yes All transactions contained of your regular statement sent to you or another person, you will on your regular Account Account statement need to tell us. We will commence mailing an statement (duplicate additional statement as requested by you from statement) the next regular statement date following your advice to us.
Repeat statement If you need an extra copy of a statement that has Yes All transactions contained already been issued to you, you can order a repeat on your regular Account statement from a branch. statement
Transaction History A list of transactions which you can view or print No Details of your Enquiry – Internet from our website. transactions for up to Banking 12 months.
Ad hoc Account The statement that you request to be mailed to No All transactions since Statement – you (and any other person who normally receives your last mailed Internet Banking this statement) from Internet Banking. statement
How to obtain information on your Account transactions
Type of Description Fee Number of information applicable transactions available
Transaction list – A list of transactions available on request over Yes All transactions since Branch the counter at any branch. your last regular statement.
Direct Entry A list of Direct Credit/Debit transactions, Yes Details of Direct Entry History Authority Payments and Internet Pay Anyone transactions for the Report transactions past 13 months
For terms and conditions applying to Internet Banking, refer to Electronic Banking Terms and Conditions.
Details of fees payable are set out in Chapter 5 of this PDS. You can obtain a balance on your Account by making an enquiry through branches, ATMs, Internet Banking, or our Customer Contact Centre. Balance enquiries through non-BOQ ATMs will incur a fee.
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27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 1616 17/10/113/9/19 5:519:03 pmAM (b) Making deposits to your Account The “Account Benefits and Features” table in section 4.2 set out the deposit methods available on your Account.
(i) Deposits through ATMs and branches If you make a deposit through any of our ATMs, or one of our branches, we will be responsible for the physical security of those funds from the time of the deposit. However, we must verfify the amount of the deposit before crediting it to your Account. If there is any difference between what you say has been deposited to your Account, and what we have confirmed has been deposited, we will tell you the amount credited to your Account as soon as possible. If you are depositing cash through an ATM, you must ensure that only notes, and not coins, are deposited. Cash deposited through an ATM will only be available for withdrawal once we have credited the amount to your Account.
(ii) EasyCheque Deposits EasyCheque Deposit facilities are available at many of our branches. Only cheque deposits are accepted through our branch EasyCheque deposits facility (no cash or coin is accepted). Cheques must be made payable to the Account holder or correctly endorsed to that person. Third party cheques that are not endorsed or verified might not be processed. Deposits will not be accepted to accounts held at other banks or financial institutions. Cheque deposits will generally be processed on the Bank Business Day that they are deposited However, proceeds will not be available until the cheque has cleared. The proceeds of any cheque deposit may not be available for 3 Business Days after the deposit is made. If the cheque is dishonoured at any time, we may debit your Account for the amount of the cheque. If you are mailing a cheque deposit into your Account you should allow more time for it to reach us. Deposits (other than by mail or cheque) will usually be credited to your Account on the next Business Day following the day of the payment. Deposits made on Thursday evenings after 4.00 pm or on Saturdays will be processed on the next Bank Business Day. Details of fees payable on cheques deposited through the EasyCheque deposit facility are set out in Chapter 5.
(c) Making withdrawals from your Account You must not withdraw more than the available funds in your Account unless you make prior arrangements with us. Normally, you will not be able to withdraw the value of a cheque you deposit until the cheque is cleared, even though the amount of the cheque may be credited to your Account. This rule also applies to cheques made payable to “cash” that are deposited to your Account. Overseas cheques and drafts lodged are not clear funds until paid by the overseas bank. If you wish to withdraw a large amount of cash from a branch, you will be required to give the branch at least 24 hours notice. Information on the Payment Services available for your Account (including those that allow you to make withdrawals) is set out in Chapter 6. The “Account Benefits and Features” table in section 4.2 explains the withdrawal methods available on your Account.
(d) Overdrawing your Account Usually, you can only use your Account if it is in credit. We do not have to let you overdraw your Account. If we do, we may charge you interest calculated on the overdrawn daily balance. You should:
15. arrangements do exist. You cannot rely on us letting you overdraw your Account without prior arrangement. We do not have to pay things, for example orders or direct debits, for you where the value exceeds the balance of your Account. If you have overdrawn your Account without our prior written approval, including where cheques you have deposited are dishonoured or transfer orders you have arranged with us are paid, you and we agree that you must repay the overdrawn amount to us within 7 days from the time that the Account is overdrawn (or further overdrawn), unless we make an alternative arrangement with you. We can charge you interest and extra fees where your Account is overdrawn. We can deposit any interest that we owe you to the overdrawn Account. You can find out more information on the fees that will be charged in respect of overdrawn Accounts at Chapter 5. It is your responsibility to ensure you have sufficient funds in your account to meet any regular payment arrangements and/or cheques. If your prior end-of-day balance is insufficient to honour any or all of your regular payment arrangements and/or cheques, these transactions may be dishonoured and we may charge you a fee.
(e) When your credit rating could be affected If your Account becomes overdrawn without arrangement, we will treat it as an application for credit by you. In these circumstances, we can give a credit reporting agency certain information about you. This information includes:
4.7 Prize Payments We have set out below a brief overview of the amount and frequency of Prize Payments under the Save to Win Save to Win Account Promotion Terms and Conditions for full details of the Prize Payment system. In particular, section 2.7 of the Save to Win Account Terms and Conditions sets out details of how the number of eligible entries for each Account is calculated, and section 2.9 of the Save to Win Account Promotion Terms and Conditions sets out the key dates on which the number and value of Prize Payments for a particular draw is announced and where these details will be announced.
draw. Thereafter, each Eligible Account is allocated one entry to the Prize Draw for each whole dollar held in that Account based on the Minimum Monthly Balance, up to a maximum of 30,000 entries. However, if the Daily Closing Balance of your Account falls below $250 at any time throughout the month, your Account will not be eligible for
Winners will have Prize Payment(s) automatically credited to their Account along with interest payable on the Account on the last calendar day of the month that immediately occurs after the Drawing Date. Prize Payments will
Drawing Date but before any Prize Payment(s) is credited, you will be provided the Prize Payment(s) via way of a cheque sent to your most recent postal address which we hold. All Eligible Accounts will be automatically entered into the Prize Draw. If you do not wish your Account to be entered into the Prize Draw you must arrange for it to be closed before the date of the Prize Draw as set out in section 2.9 of the Save to Win Account Promotion Terms and Conditions. The Prize Draw will be scrutinised by an independent third party in accordance with the relevant State and Territory trade promotion legislation.
16.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 1818 17/10/113/9/19 5:519:03 pmAM (a) Prize Payment Overview Three types of Prize Payments will be made on each Drawing Date:
(b) Number of Prize Payments
The number of Intermediate Prize Payments for each month during the Promotion Period will be the greater of:
whole number. The number of Minor Prize Payments for each month during the Promotion Period will be the greater of:
whole number.
(c) Value of Prize Payments The value of the Major Prize Payment is the greater of:
The value of the Intermediate Prize Payment is the greater of:
37% X (Total Prize Payment Pool - Major Prize Payment) number of intermediate prize payments
The value of the Minor Prize Payment is the greater of:
63% X (Total Prize Payment Pool - Major Prize Payment) number of minor prize payments
(d) Total Prize Payment Pool The Total Prize Payment Pool is the greater of the Accrued Moneys or $30,000. For the first two prize
(e) Examples Example 1 This example demonstrates how Prize Payments will be calculated if the Accrued Moneys is less than $30,000. If the Accrued Moneys for a prize draw is $14,000, the total prize pool for that draw is $30,000 (see (d) above).
The Major Prize Payment is the greater of (using the formula set out in section 4.7(c) above):
The Major Prize Payment for that month will therefore be $20,000.
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27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 1919 17/10/113/9/19 5:519:03 pmAM s Intermediate Prize Payment If there are 14 million Eligible Entries for the draw, the number of Intermediate Prize Payments drawn is the greater of (using the formula set out in section 4.7(c) above): If there are 15 million Eligible Entries for the draw , the number of Intermediate Prize Payments drawn[0.00025% is the X greater 14 million] of (us =ing 35; the or formula set out in section 4.7(b) above): 10.
The number of Intermediate Prize Payments is therefore 35, and the value of each Intermediate Prize Payment is the greater of (using the formula set out in section 4.7(c) above): The number of Intermediate Prize Payments is therefore 11, and the value of each Intermediate Pr[37%ize Payment x ($30,000 is the - $20,000) greater of / (us35]ing = $105.71;the formula or set out in section 4.7(c) above):
$25. The Intermediate Prize for that month for each Intermediate Prize winner will therefore be $105.71. s MajorThe Prize Intermed Paymentiate Prize for that month for each Intermediate Prize winner will therefore be $97.37. If there are 14 million Eligible Entries for the draw , the number of Minor Prize Payments drawn is Ifthe there greater are 14of m(usingillion theElig iformulable Entr isetes for out the in drawsection , the 4.7(b) number above): of Minor Prize Payments drawn is the[0.00475% greater ofx $14(using million] the formula = 713; set or out in section 4.7(b) above):
$200. The number of Minor Prize Payments is therefore 713, and the value of the Minor Prize Payment is the greater of (using the formula set out in section 4.7(c) above): The number of Minor Prize Payments is therefore 713, and the value of the Minor Prize Payment i[63%s the greaterx ($30,000 of (us - ing$20,000)] the formula = $8.84; set out or in section 4.7(c) above):
$5. The Minor Prize for that month will therefore be $8.84. The Minor Prize for that month will therefore be $8.84. Example 2 This example demonstrates how Prize Payments will be calculated if the Accrued Moneys is greater than $30,000. Assuming that the Accrued Moneys for a prize draw is $70,000, the total prize pool for that draw is $70,000.
The Major Prize Payment is the greater of (using the formula set out in section 4.7(c) above):
The Major Prize Payment for that month will therefore be $28,000.
Assuming that there are 75 million Eligible Entries for the draw, the number of Intermediate Prize Payments drawn is the greater of (using the formula set out in section 4.7(b) above):
The number of Intermediate Prize Payments is therefore 188, and the value of the Intermediate Prize Payment is the greater of (using the formula set out in section 4.7(c) above):
The Intermediate Prize for that month will therefore be $82.66.
Assuming that there are 75 million Eligible Entries, the number of Minor Prize Payments is the greater of (using the formula set out in section 4.7(b) above):
The number of Minor Prize Payments is therefore 3,563, and the value of the Minor Prize Payment
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27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 2020 17/10/113/9/19 5:519:03 pmAM is the greater of (using the formula set out in section 4.7(c) above):
The Minor Prize for that month will therefore be $7.43.
(f) Probability of winning Set out below are indicative probabilities relating to the chance of an Account holder winning a prize if they held 250 entries, 500 entries, 1,000 entries and 3,000 entries. The figures do not relate to the chances of winning for each entry held. The examples below are based on scenarios that reflect a given number of Eligible Entries. Eligible Entries may change from month to month and therefore the probability of winning will also change. Factors that will affect the number of entries to a particular draw include, whether:
entries into the draw, regardless of the funds held in their Account).
Scenario 1– Total Eligible Entries 14,000,000 Chance of winning a prize depending on number of tickets held Prize Number of Type Prizes 250 500 1000 3000 Major 1 0.00167% 0.00333% 0.00667% 0.02000% Intermediate 35 0.06331% 0.12659% 0.25302% 0.75720% Minor 713 1.18134% 2.34875% 4.64240% 13.29148%
Scenario 2 - Total Eligible Entries 75,000,000 Chance of winning a prize depending on number of tickets held Prize Number of Type Prizes 250 500 1000 3000 Major 1 0.00033% 0.00067% 0.00133% 0.00400% Intermediate 188 0.06265% 0.12526% 0.25035% 0.74920% Minor 3,563 1.18067% 2.34741% 4.63974% 13.28355%
4.8 Conclusion of the Save to Win Account™ Promotion and Subsequent Promotions
At the conclusion of the Save to Win Account™ Promotion, all Prize Payments and Prize Draws will cease until a subsequent promotion is commence by BOQ.
For any periods during which a Save to Win Account™ Promotion is not conducted, Accounts will continue to operate on the same terms and conditions set out in this PDS, the Save to Win Account™ Promotion Terms and Conditions, the Personal Deposit - Interest Rates and the Electronic Banking Terms and Conditions documents, save the terms and conditions relating to Prize Payments and Prize Draws.
Subsequent promotions may be commenced by BOQ. We will automatically enter you into subsequent promotions if you hold an Account and meet the eligibility criteria at the time those promotion(s) are conducted. If you do not wish to be entered into any subsequent promotion(s), or do not accept the terms and condition for that subsequent promotion, you can advise us at any time in writing and we will remove you from the relevant promotion(s) by closing your Account.
19.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 2121 17/10/113/9/19 5:519:03 pmAM 4.9 Interest rates 4.9 Interest rates We can change the interest rate applicable to the Account at any time. 4.9 W Intereste can c rateshange the interest rate applicable to the Account at any time. We can change the interest rate applicable to the Account at any time. (a) Interest that we pay to you (a) Interest that we pay to you If you have money in your Account, you may earn interest. Details of interest rates that apply to your (a) If Interest you have that mone wey pay in y ourto youAccount, you may earn interest. Details of interest rates that apply to your Account are: IfAccoun you havet are mone: y in your Account, you may earn interest. Details of interest rates that apply to your Account are: Personal Deposits - Interest Rates Personal Deposits - Interest Rates Personal Deposits - Interest Rates
(b) How the interest you earn is calculated and paid (b) How the interest you earn is calculated and paid Interest on Accounts will only be paid into that Account. (b) HowInteres thet on interest Accoun tsyou wil earnl only is be calculated paid into that and Apaidccount . Interest on Accounts will only be paid into that Account. Tiered Interest Tiered Interest Deposit interest is calculated on the daily closing balance of Accounts using the following formula: TieredDeposi tInterest interest is calculated on the daily closing balance of Accounts using the following formula: Daily Closing Balance x Interest Rate% / 365 DeposiDaily Ctl osinteresting Bal ians cacelc xulat Interesed ont Rthate%e dail /y 36 cl5osing balance of Accounts using the following formula: Daily Closing Balance x Interest Rate% / 365 Example of how daily interest is calculated on a tiered basis Example of how daily interest is calculated on a tiered basis At the close of business on 1 May an Account has a balance of $11,000. The interest rate applicable to ExampleAt the close of ofhow bus dailyiness ointerestn 1 May is a ncalculated Account has on a a balance tiered basisof $11,000. The interest rate applicable to Account balances is 1%. AtAccount the close bal ancesof bus iisnes 1%s .on 1 May an Account has a balance of $11,000. The interest rate applicable to Daily interest calculation for 1 May: $11,000 x 1%/365 = $0.027 AccountDaily int erebalsancest calc ulisat 1%ion. for 1 May: $11,000 x 1%/365 = $0.027 We calculate this interest: WDaile ycal inctulereatset thcailcs ulinteresationt: for 1 May: $11,000 x 1%/365 = $0.027 We calculate this interest:
section 4.2 and Personal Deposits - Interest Rates). section 4.2 and Personal Deposits - Interest Rates). We pay interest monthly on the last day of the month on the Account. W e pay intsecterestion m 4on.2 tandhly oPersonan the lasl Depositst day of -the Interest month Rates) on the. Account. We pay interest monthly on the last day of the month on the Account. (c) Interest that we charge you (c) Interest that we charge you We can charge you interest if you overdraw your Account. (c) W Intereste can charge that we you charge interest you if you overdraw your Account. Interest will be calculated daily on the balance, and will be charged on the last day of the month, using WInteeres cant chargewill be youcalc ulinterestated d ailif youy on overdra the balanw yource, and Ac countwill be. charged on the last day of the month, using our then current default interest rate, until the Account balance is positive again. Our current default Inourteres thent w ciurrenll be calct defaulatedult int derestaily on ra thete, unt balanil thece, Aandccount will balancebe charged is pos oni tivethe laagainst day. Our of currentthe month, defaul usingt interest rate can be found on our website www.boq.com.au or obtained from your local branch. ourinteres thent rate curren cant defabe foundult int onerest our ra wte,ebs untite iwl theww. Aboq.ccountcom.au balance or obtained is positive from again your. Ourlocal current branch defaul. t interest rate can be found on our website www.boq.com.au or obtained from your local branch. 4.10 When you stop using your Account 4.10 When you stop using your Account 4.10 (a)When Inactive you stop Accounts using your Account (a) Inactive Accounts If your Account becomes inactive, we may close your Account without notice to you. Your Account (a) If Inactive your A cAccountscount becomes inactive, we may close your Account without notice to you. Your Account becomes inactive if: Ifbecomes your Ac inacountctive be if:comes inactive, we may close your Account without notice to you. Your Account becomes inactive if:
If you have funds in your Account, but it has remained inactive for more than 2 years, we will not close If you have funds in your Account, but it has remained inactive for more than 2 years, we will not close your Account, but you may be charged an administrative fee for our monitoring of the Account (refer to Ifyour you Account have funds, but iynou you mar Aycc beou cntharged, but itan has adm remainedinistrati veinactive fee for for our more moni tthanoring 2 yofears, the wAccounte will not (refer clos teo Chapter 5). yourChapter Account 5). , but you may be charged an administrative fee for our monitoring of the Account (refer to Chapter 5). (b) Unclaimed money (b) Unclaimed money WIf eyour must Account treat funds has notin a nbeen Acc outransactednt which onhas by not way received of a deposit a depos orit ora withdrawal, withdrawal (excludexcludinging any banbankk (b) W Unclaimede must tre moneyat funds in an Account which has not received a deposit or withdrawal (excluding any bank chchargesarges, orinterest interest, or Pr forize 7 P yearsayment ors) more for 7 then years we or mustmore treatas “unc thelaimed funds money in your”. W Accounte will cl oseas “unclaimed the Accoun t chWea rgesmust, in treterestat funds or Pri inz ea nPay Accmentsount) whifor ch7 years has not or morereceived as “unc a deposlaimedit or money withdrawa”. We lw (excludill closeing the any Ac bancounk t amoney”.nd forw Thisard credimeanst ba thatlanc wees exceeding will be required $500 to to the forward Commonwealth any credit Governmentbalances of .$500 or more to the achCommonwealthndarges forw, inardterest cred Governmentorit baPrilazncese Pay exceedments (or any)i ngfor other $5007 years amountto orthe more Commo that as the“uncnwealth Commonwealthlaimed Governmen money”. WGovernmentt.e will close advisesthe Accoun fromt and forward credit balances exceeding $500 to the Commonwealth Government. 20. time to time). We will also close your Account at that time. 20. 20.
27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 22 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 22 17/10/11 9:03 AM 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 2222 17/10/113/9/19 5:519:03 pmAM We will attempt to contact you prior to the account closure to inform you of the actions required by (c) Whenyourself we to can keep operate the account on your open, Account or alternatively allow you to discuss other account options that may be more suitable to your needs. (c)In When certa wein cir cancums operatetances, onwe your can operateAccount on your Account.For example, we may make drawings on your (c) When we can operate on your Account 4.11 (c) WhenIn WhenAccoun we cer canta wetin to operatecir can paycumst operateoursel anonces vesyour ,won interes eAccountyour cant, operate Accountfees and on charges your Ac.Wcounte can. For also example, correct wmeist makesay make on your dra wAccountings on, your Inwit cerhouttain a nycir cnotumsticean toces you,w. e can operate on your Account. For example, we may make drawings on your InAccoun certacertatinin to circ iparcumcumsty oursestaannceslcesves,w, wineterest cacann ,operate fees and on charges your AcAccount.Wcounte can. For also example,examp correctle, wmistakee may smake on your dra wAccountings on, your Account to pay ourselves interest, fees and charges.We can also correct mistakes on your Account, AccountAccounWwitehout cant deter atotnyo pa notmy ineourselourseice t thoel ves yorderou iin.nterestterest of pr,i oritfeesy andof payments charges..W fromWe can the alsoa fundslso correct in your mistakemistakes Accouns ont. your AAccountccount, without any notice to you. wiWwitethouhout cant determananyy notineiiccee t theo yorderou. of priority of payments from the funds in your Account. We can determine the order of priority of payments from the funds in your Account. iWs ecredi cancant eddeterm to yourine Attheheccount order,w ofe prmiayorority irety- ofopen payments your A ccountfrom the or fundsopen anotherin your AccountAccount. in your name for the purpose of crediting your Prize Payment.We will then draw a bank cheque for the amount against that is credited to your Account,we may re-open your Account or open another Account in your name for the iasccount credited and to foryourward Ac countthis to,w youre m aylast re kno-openwn yourposta Al ccountaddress, or before open anotherclosing theAcc aountccount in .your name for the ipurposes credit edof tocred youriting A cycountour Pr,,w izwee Pmayaym reent-open.We wyourill then Account draw or a openbank chequeanother forAAcccoun ctheount amountt inin yoyouru ragainst name fortha tht e purpose of crediting your Prize Payment.We will then draw a bank cheque for the amount against that (d) purposeaOurccount righ ttofando cred coformbiitiwngardne y taourhccisou Prtontsiz yeour Pay lastment kno..W Wwen wpostaill thenl address, draw abefore bank chequeclosing forthe ttheaccounthe amounamount. t against that account and forward this to your last known postal address, before closing the account. account and forward this to your last known postal address, before closclosinging the aaccountccount. (d) WOure crighan cottmbio conembi thene baalccanoucntses of two or more of your Savings or Transaction Accounts, even if the Savings (d) Our rightto combine accounts 4.12 (d)( Ourd) rightOurWor eT ranscrrigh anitoght actcottcombine tombioion combineco nembiAcc t heAccountsountsne bacaalcccount anaourecnts eshels ofd tawt od iorfferent more branches of your Sav or iingsn joint or Tnames.ransact Forion exAccountample,s ,i feven your i fBOQ the Savingcheques Waccounte can aco hasmbi anne untheaut balhorisedances ofov erdratwo orw ingmore,w ofe m youright Savusei ngsmoney or T ranin yoursact iAonccount Account to reduces, even theif the amoun Savingt s Wor eT ranscan actcombineion Acc theounts balanc are eshel ofd tawt od iorfferent more branches of your Sav or iingsn joint or Tnamesransaction. For exampAccounts,le, if even your i fBOQ the chequSavinges oryou T ransoweact onion the Acc BOQounts cheque are hel accdou atnt. di fferentHoweve branchesr, this wou orl din not joint happen names w. Forhere, examp for examplele, if your: BOQ cheque oraccount Transaac hastion an Ac uncountauthorisedsas are hel odv erdraat differentwing,w branchese might useor i nmoney joint namesin your. ForAcc example,ount to reduce if your the BOQ amoun chequt e accounta has an unauthorised overdrawing,we might use money in your Account to reduce the amount ayouccoun oweta hon hasa thesa ann unBOQ unauthora uthorchequeisedised aoverdra ccoverdraount.w wHoingingw, evew,we erm, mthisightight w use ouuse lmoneyd money not happen in in your your where Account Account, for to exampto reduce reducele: the the amoun amount t you owe on the BOQ cheque account. However, this would not happen where, for example: you owe on the BOQcQ cheque account. However, this would not happen where, for example:
Direct Credit Payments). We will telDirectl you Credif weit haPayvem combients).ned any of your accounts.We do not have to notify you before we Direct Credit Payments). W exere wicisell telourDirectl youright Credif ofwe itcombi ha Payvem nacombientionts)..ned any of your accounts.We do not have to notify you before we We will tell you if we have combined any of your accounts.We do not have to notify you before we WYexeroue wicshouisell telourldl not youright assif ofwume combi hae tvhate nacombi ationn una.neduthor anyi sedof your overdrawn accounts acc.W. Wounte do wil nol tbe have comb toi nednotify by youus w beforeith an weaccoun t exercise our right of combination. Yexerthatou cshouiises in our lcredd not rightit ass(e.g. ofum icombine orderthatna attionno unacov. eruthor chequesised o yvouerdrawn have drawnaccoun ont w theill be overdra combinedwn accoun by us tw) ithunless an accounwe t Yhaouve shou agreedld not to doass soum. e that an unauthorised overdrawn account will be combined by us with an account Ythatou shouis in lcredd notit ass(e.g.um ine orderthat atno unacoveruthor chequesised o yvouerdrawn have draaccwountn on wil thel be overdra combwinedn account by us w) iunlessth an accounwe t that is in credit (e.g. in order to cover cheques you have drawn on the overdrawn account) unless we thahatve ias greedin cred toit do(e.g. so i.n order to cover cheques you have drawn on the overdrawn account) unless we have agreed to do so. (e) ha Closingve agreed Accounts to do so. (e)If Closing you ask Accounts us to by advising us in writing, we will usually close an Account that is in credit. A joint 4.13 (e) Closing Closing Accounts Accounts (e) ClosingIfAccoun you askt Accountsc ausn tbeo bcylosed advis ining th use s amin we ritwaing,y that we thewill jousualint Acly ccountlose anis operated,Account thatsubject is in t ocred ourit. discretion A joint . If you ask us to by advising us in writing, we will usually close an Account that is in credit. A joint IfAccounW yeou can askt c cl oseausn tot beaon bc Accountylosed advis inining tgthah uuse stis amins iwrwnce ritwaitreditinging,y that,w wbye givthewilil ng jousuali ntyou Acl yreasonable ccountlolosese anis operatedAccountAccoun notice.t ,If thathatsub wtej eciis sdo, tinin to wcredcredit. eour wit. ildiscretion l Apay jointjoint you .the Account can be closed in the same way that the joint Account is operated, subject to our discretion. AccounWcrede citan bat c lclanceosean be a afn clc tAccountlosederosed allo inwi tthanghehe tiforsamesams accince wwaruedreditayy that ibynterest givthei ngjo, feesi ntyou Ac and reasonablecounount chargest iiss operated, .notice. If subs ubjectweject do ,wtoto eour wil didiscretionl spaycret youion .the We can close an Account that is in credit by giving you reasonable notice. If we do, we will pay you the WcredIf yeou citan bacease cllanceose to ana afnmee tAcAccountercountta allonywi of thang the ttifor i ssiel accinncigibi credruedreditlityit icrbynteresti teriagiving ,on fees you the and reasonabreasonable Ac councharget,l efors. nonotice. examptice. If le,w ethe do, balance we wiillll ipayn you your thethe credit balance after allowing for accrued interest, fees and charges. credIfAccoun youit baceaset lfananceallc stoe be afterafmeelowterta aallo anyllnyowwi presofingng thecri for bedel aaccigibicc minimumruedlity interesticrnterestiteria amount ,on fees the,w and eA ccca chargescounthargesn close, for. your example, Account the w balanceithout noticein you rto you Ifand you transfer cease ttheo mee fundst an tyo ofan thealt erelingibilitative yBOQ criteria account on the, such Account, as our for Reverse example, Charges the balance Account® in. your IfAccoun you ceaset fall sto be meetmeelowta anyannyy presof tthecrihe bedeelligigibi iminimumbillityity criteria amount on the,w eA cccountcounan cltose, for your example,examp Accountle, tthehe wit babalancelhoutance noticein you rto you Account falls below any prescribed minimum amount, we can close your Account without notice to you AccounaWnde matransferyt closefalls the be yourlow funds A any cc touo pres ntan atccrialtribed anybedernat tmminimumiivmeinie mumBOQwithout accountamount notice,,w such fore cca ananyans closeour reason Reverse your. Wit Account Chargeshout limi w Aithoutitthoutingccount® the nonotice reasons.tice to yowhyu and transfer the funds to an alternative BOQ account, such as our $AY$AY 0LUS !CCOUNT®. aWwndee may matransfery doclose so, the your this fundsfu nds maAcc ytotou ohappen ntan ataltal ternaanyer ifn: at ttiiivmevee BOQwithout account notice, such for anyaass our rea ReverseReverson. Wisethout Charges lim itiAccount®Account®ng the reasons. why We may close your Account at any time without notice for any reason. Without limiting the reasons why Wwee maymay doclose so, yyour tourhis maAccounccyou happenntt aatt anany if:y titime wiithoutthout notice for any reason.reason. W Witithouhoutt liimimitingting thethe reasons whwhyy we may do so, this may happen if: we may do so, t hihiss mayhy happenappen if:if:
If we close your Account: If we close your Account: If we close your Account: If we close your Account: Automatic payment authorities will continue until cancelled by you.
If we closeAut anom Accatouic pant,wymente ma auy cthhaorrgeities you will an cont amountinue untthatil cancelis a realedsonab by yleou est. imate of our costs of Automatic payment authorities will continue until cancelled by you. Ifcl osurewe close. Aut anom Accatouic pant,wymente ma auy cthhaorrgeities you will an cont amountinue untthatil cancecancelis a reasonablelledled by youyou esti. mate of our costs of If we close an Account, we may charge you an amount that is a reasonable estimate of our costs of Ifcl osurewe close. an Account,we may charge you an amount that is a reareasonablesonable estestiimatemate of our costs of closure. (a)cl Howosure we. calculate your closing balance if your Account is in credit (a)T Howhe cred weit calculatebalance of your your closingAccount balance is calculated if your as theAccount curren ist balancein credit plus any deposit interest and Prize (a) How we calculate your closing balance if your Account is in credit (a)TPay Howhemen cred wets,it calculateba lesslan acney ofa ccyour yourrued closingA acccouncount tbalance i sfees, calculated debit if your interest as theAccount candurrent governmen is bainl ancecredit tp chargeslus any deposiapplicabt inlet eresup tot and the Prize Tclheos icredng dait te.ba lAnanyc emon of yourthly orAccoun quarttierlys ca feeslculated will apply as the even current though balance the Account plus any has deposi beent in openteres fort and onl Pry ize TPayhemen credts,it balesslan ancey ofacc youruedr A accccountount is fees cal,c debitulated interest as the candurrenurrent governmentt balance plus charges anyany deposdepositapplicableit iinnterestt erestup to and the Pri ze Paypartmen of tts,he lessmon anthy or acc quruedarte acr. count fees, debit interest and government charges applicable up to the clPayosmening dats,te. less An ayn ymonth accruedly or ac qucountarter fees,ly fees debit will interestapply even and though governmengovernment the Accountt chargescharge sha applapps beenliicablecab lopene up tofor th onely closing date. Any monthly or quarterly fees will apply even though the Account has been open for only parclosti ngof tdahete. mont Anyh mon or quarthlyter. or quarterly fees will apply even though the AccountAccount has been open for only part of the month or quarter. part of the month or quarter. 21. 21. 21. 21. 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 2323 17/10/113/9/19 5:519:03 pmAM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 23 17/10/11 9:03 AM (b) How we calculate your closing balance if there are uncleared funds or your Account is overdrawn If there are any uncleared funds in your Account at the time you ask us to close it, we are unable to pay those funds to you until they are cleared. If your Account has a debit balance, you must pay to us the balance plus any accrued debit interest, Account fees including monthly or quarterly fees, and any government charges less any credit interest and/or Prize Payments, applicable up to the closing date.
(c) What you must do when you close your Account You may close your Account by:
4.114.14 Automatic re-entry into future Save to Win Account™ Promotions We will automatically enter you into subsequent promotions if you hold an Account and meet the eligibility criteria at the time of conducting those promotion(s). If you are entered into any subsequent promotion, you will be deemed to automatically accept the terms and conditions for that subsequent promotion, the terms and conditions for which will be published on the Promotion Website. If you do not wish to be entered into any subsequent promotion(s), or do not accept the terms and conditions for those subsequent promotion(s), you can advise us at anytime in writing, in which case we will remove you from the relevant promotion(s) by closing your Account. If you have confirmed in writing that you do not wish to participate in any subsequent promotion(s), then from the date we receive confirmation that you do not wish to participate, you will be deemed ineligible to win any prizes in those subsequent promotion(s).
5. FEES AND OTHER COSTS This document shows fees and other costs that you may be charged. These fees and costs may be deducted from your Account and from the Prize Payments and/or interest earned on your Account. GST is not included and is not payable in respect of any fees and charges in this document unless otherwise stated. Potential tax implications are set out in sections 4.3and 4.4(c). You should read all of the information about fees and costs because it is important to understand their impact on your Account.
5.1 Account operating fees and charges Fees and Charges Amount Account Maintenance Fee Nil
Monthly Card Fee (Visa Debit) N/A#
BOQ Balance Enquiry Free
Any 2 free per month Internet Banking and Easy Phone Banking then $2 each
ATM & EFTPOS Balance Enquiry via BOQ ATM and EFTPOS Free
Other Bank ATM withdrawals Free
Bank@Post withdrawals $3 each
22.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 2424 17/10/113/9/19 5:519:03 pmAM Bank@Post deposits Free
ATM Operator Fee As disclosed on the ATM at the time of the transaction Internet Banking Multi Payment $1.50 for up to 10 payments (then $0.19 for each additional transaction) Transfer Orders and Direct Credits Transfer to Bank of Queensland Accounts Free
Direct Credits Free International Transactions Overseas Bank ATM Withdrawal N/A
Overseas Bank ATM Balance Enquiry N/A
Foreign Currency Transaction Fee (Accounts linked to a Visa Debit Card) N/A
Foreign Currency Transaction Fee (Accounts linked to a Credit Card) N/A
# The Account can not be linked to a Visa Debit Card.
5.2 Electronic Banking Security Tokens for Internet Banking Initial token issued for up to 2 Users on a profile Free
Defective tokens Free
Stolen token (police report required) Free
Tokens required for any Delegated Users that are not a signatory to the profile $50.00 each
Additional token (if profile has more than 2 users) $50.00 each Replacement tokens $50.00 each International Payments International Payment request $20+ Pay Anyone Payment Fee. Additional fees may be deducted by other banks involved in the transfer
Cancellation of an International Payment $25.00
Amendment of an International Payment $25.00
Trace of an International Payment $40.00 RTGS Payments RTGS Payment request $20 + pay anyone payment fee. Additional fees may be deducted by other banks involved in the transfer.
Cancellation of an RTGS Payment $25.00
Amendment of an RTGS Payment $25.00
Trace of an RTGS Payment $40.00
23.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 2525 17/10/113/9/19 5:519:03 pmAM 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 11
5.3 International Services Bills for Collection – Received from Overseas For collection and payment 0.30% of AUD value, minimum $100.00, maximum $800.00 Dishonour/Defer of inward collection
Extension/representation of inward bill $70.00 including expenses
Release of goods/undertaking/Air way bill Release $80.00
Avalisation $80.00 plus customer’s credit risk margin
Additional Correspondence $70.00 including expenses
Noting/Protesting $80.00 plus legal expenses Bills for Collection – Sent Overseas
Cheques drawn on an overseas bank deposited to your Account Cheque drawn on an overseas bank sent for payment prior to deposit (overseas bank fee 0.2% of AUD value minimum deducted from proceeds) $50.00 plus expenses
Dishonour of cheque negotiated/sent overseas where applicable
Documentary collection 0.25% of AUD value, minimum $80.00 plus expenses
Dishonour of documentary collection 0.25% of AUD value, minimum $80.00 including expenses
Tracers/Additional Correspondence $30.00 per enquiry
Financing On application
Drafts – In Foreign Currency
Inward
Payable at another Australian financial institution $20.00 (plus other financial institution fee if applicable)
Outward
Issued $25.00
Advice of fate $10.00 (plus transmission cost if applicable)
Replacement of lost draft or stop payment with refund $30.00
Repurchase $20.00
Foreign Cheque
Cheque deposited prior to payment by an overseas bank $15.00
Overseas Notes Purchase by us $5.00 per currency
Sold by us 1% of AUD value minimum $5.00 each currency Telegraphic Transfers Additional fees may be deducted by other banks involved in the transfer.
Inward
For credit of an account with us
Received in Australian dollars $10.00
Received in foreign currency $10.00
24.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 2626 17/10/113/9/19 5:519:03 pmAM 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 11 In Australian dollars 17/10/113/9/19 5:519:03 pmAM $30.00
In foreign currency $30.00
RecallOutward of telegraphic transfer $25.00
TForrace credit of telegraphic of an account transfer with another financial institution. $40.00 Outward InRejected Australian telegraphic dollars transfer (repair) $30.00$25.00 For credit of an account with another financial institution. TInravellers foreign currency Cheques $30.00 In Australian dollars $30.00 Recall of telegraphic transfer $25.00 Issue 1% of AUD value minimum In foreign currency $30.00 Trace of telegraphic transfer $$40.0010.00 each applicant for each Recall of telegraphic transfer $25.00currency Rejected telegraphic transfer (repair) $25.00 TNegotiationrace of telegraphic (encashment) transfer $7.00$40.00 per currency Travellers Cheques Rejected telegraphic transfer (repair) $25.00 Issue 1% of AUD value minimum 5.4 GeneralTravellers Services Cheques $10.00 each applicant for each currency IssueAccount Access Cards 1% of AUD value minimum Negotiation (encashment) $7.00 per currency Cards replaced within Australia $15.00$10.00 each cardapplicant for each currency Cards replaced outside Australia $75.00 each card Negotiation (encashment) $7.00 per currency 5.4 General Services Charged whenever a lost or stolen Account Access Card is replaced Account Access Cards 5.4 GeneralBank Cheque Services Fee Cards replaced within Australia $15.00 each card EachAccount cheque Access issued Cards $10.00 Cards replaced outside Australia $75.00 each card CardsEach cheque replaced repurchased within Australia $15.00 each card Charged whenever a lost or stolen Account Access Card is replaced CardsEach replacement replaced outside cheque Australia issued $75.00$25.00 each card Bank Cheque Fee Bank@Post Inward Dishonour Fee Charged whenever a lost or stolen Account Access Card is replaced Each cheque issued $10.00 This is not a Bank Fee. This is a fee charged by Bank@Post directly to your account on the day where a Bank Cheque Fee chequeEach cheque deposited repurchased to your account through Bank@Post is dishonoured. $15.00 Each cheque issued $10.00 chequeEach itemreplacement deposited dishonoured cheque to your issued account through Bank@Post is dishonoured. $19.33$25.00 Bank@BillsThis isfor notP Collectionost a BankInward Fee. – Dishonour LocalThis is a fee Fee charged by Bank@Post directly to your account on the day where a cheque deposited to your account through Bank@Post is dishonoured. ThisInward is notor Outward a Bank (allFee. items) This is a fee charged by Bank@Post directly to your account$30.00 on the day where a chequeEach item deposited dishonoured to your account through Bank@Post is dishonoured. $19.33 ByEach personal item dishonoured delivery $60.00$19.33 each hour minimum Bills for Collection – Local $30.00 (plus expenses) BillsInward for or CollectionOutward (all – items) Local $30.00 CertificatesInward or Outward (all items) $30.00 By personal delivery $60.00 each hour minimum ByCertificate personal of delivery account balance or interest paid/received $30.00$60.00$10.00 each(plus hourexpenses) minimum $30.00 (plus expenses) CertificatesAudit Certificate $30.00 each Certificates OtherCertificate certificates of account (e.g. balancedetails of or assets interest held) paid/received $$60.0010.00 each hour minimum Certificate of account balance or interest paid/received $$30.0010.00 each Audit Certificate $30.00 each CoinAudit HandlingCertificate Fee $30.00 each Other certificates (e.g. details of assets held) $60.00 each hour minimum OtherBulk Coin certificates (e.g. details of assets held) $30.00$60.00$10.00 pereach bag hour minimum $30.00 CoinBagged Handling Coin Fee $0.50 per bag minimum $2.50 Coin Handling Fee Unsorted,Bulk Coin unbagged coin $5%10.00 of value per bag minimum of Bulk Coin $10.00 per bag Bagged Coin $0.50 per bag minimum $2.50 DepositBagged Coin Books $0.50 per bag minimum $2.50 Unsorted, unbagged coin 5% of value minimum of Unsorted,Each bound unbagged Duplicate coin or Triplicate book $5%$4.0010.00 of value minimum of $10.00 DepositDishonour Books Fees DepositOutward Books $15.00 each item dishonoured Each bound Duplicate or Triplicate book $4.00 Charged to your account on the day when any drawing on your account Dishonour(e.g. direct debit, Fees transfer order) is dishonoured due to lack of available funds,Each bound or irregularity Duplicate of or drawing Triplicate book $4.00 25. ElectronicDishonour TFeesransaction Error Correction Fee Electronic Transaction Error Correction Fee 27588 BOQ G611 SavePayable to Win when Acct the Fin Bank Svcs is requested Guide.indd by you, 27 or the recipient Financial Institution or $30.00 17/10/11 9:03 AM BillePayabler, to when correct the an Bank error is you requested have made by you, with or a the BP ArecipientY payment, Financial Pay Anyone Institution transaction, or $30.00 BilleDirectr, toCredit/Debit correct an transactionerror you have and made Multi with Payment a BP AtransactionY payment, Pay Anyone transaction, Direct Credit/Debit transaction and Multi Payment transaction 25. Overdrawn Fee Overdrawn Fee (e.g.Charged direct to debit,your account transfer onorder) the dayis dishonoured when any drawing due to lack on yourof available account funds,(e.g.Each directbound or irregularity debit, Duplicate transfer of or drawing T order)riplicate is dishonouredbook due to lack of available $4.00 25. funds, or irregularity of drawing ElectronicDishonour TFeesransaction Error Correction Fee ElectronicOutward Transaction Error Correction Fee $15.00 each item dishonoured 27588 BOQ G611 SavePOutwardayable to Win when Acct the Fin Bank Svcs is requested Guide.indd by you, 27 or the recipient Financial Institution or $15.00$30.00 each item dishonoured17/10/11 9:03 AM BilleChargedPayabler, to whentocorrect your the anaccount Bank error is youon requested the have day made bywhen you, with any or a drawingthe BP ArecipientY payment, on your Financial Paccountay Anyone Institution transaction, or $30.00 (e.g.BilleChargedDirect rdirect, toCredit/Debit tocorrect debit,your anaccount transfer transactionerror you onorder) the have and dayis dishonouredmade Multi when with P anyayment a drawing dueBP Atransaction Yto payment, lack on yourof available Paccountay Anyone transaction, funds,(e.g.Direct direct Credit/Debitor irregularity debit, transfer transaction of drawing order) and is dishonoured Multi Payment due transaction to lack of available 25. Overdrawnfunds, or irregularity Fee of drawing ElectronicPhotocopi eTsransaction Error Correction Fee ElectronicCharged to yourTransaction account on Error the dayCorrection where drawings Fee are paid by the Bank and the $15.00 27588 BOQ G611 SaveaccountPEachayable to page, Win whensubsequently excludingAcct the Fin Bank Svcs statements becomes is requested Guide.indd overdrawn by you, 27 without or the recipientprior approved Financial arrangements, Institution oror $0.20$30.00 17/10/11 9:03 AM whereBillePayabler, toan when correct approved the an Bank overdrafterror is you requested havelimit ismade byexceeded. you, with or a the BP ArecipientY payment, Financial Pay Anyone Institution transaction, or $30.00 StatementsBilleDirectr, toCredit/Debit correct an transactionerror you have and made Multi with Payment a BP AtransactionY payment, Pay Anyone transaction, Direct Credit/Debit transaction and Multi Payment transaction DuplicateEach item statementpaid, up to – a each maximum statement* of once per account per day $3.00 Overdrawn Fee PhotocopiOverdrawnStatement orderede sFee at a branch – each statement* $3.00 Charged to your account on the day where drawings are paid by the Bank and the $15.00 StatementEachaccountCharged page, subsequentlyto ordered excludingyour account through statements becomes on Internet the overdrawn day Banking* where withoutdrawings prior are approvedpaid by the arrangements, Bank and the or Free$0.20$15.00 whereaccount an subsequently approved overdraft becomes limit overdrawn is exceeded. without prior approved arrangements, or StatementsSpecialStatementwhere an Answers approved sent to overseas onoverdraft Cheques address limit is – exceeded. each statement* $5.00 Each item paid, up to a maximum of once per account per day RepeatEachDuplicateThrough item of the statementpreviouslypaid, Australian up to –issued a each Pmaximumayments statementstatement* Clearingof once – each perSystem statement^account by mail, per daytelephone, facsimile $3.00$6.00$30.00$15.00 or (plus $60 expenses)each hour PhotocopiStatementBy personal ordered edeliverys at a branch – each statement* $3.00$60.00 each hour minimum PhotocopiFaxed statementes – each statement^ $2.25 Each page, excluding statements $0.20 StatementEach page, orderedexcluding through statements Internet Banking* $0.20Free Other statement fees may also apply SpecialStatement Answers sent to overseas on Cheques address – each statement* $5.00 SpecialTransaction Answers list issued on atCheques a branch – each list $2.00 RepeatThrough of the previously Australian issued Payments statement Clearing – each System statement^ by mail, telephone, facsimile $6.00$15.00 or $60 each hour Through* These fees the willAustralian be charged Payments to your Clearing account System monthly by mail,on the telephone, last day of facsimil the monthe or on the$15.00 date you close By personal delivery $60.00 each hour minimum your account. FaxedBy personal statement delivery – each statement^ $2.25$30.00$60.00 (pluseach hourexpenses) minimum $30.00 (plus expenses) StatementsOther^ These statement fees are charged fees may to also your apply account on the day you request the service. Statements StopTDuplicateransaction Payments statement list issued – ateach a branch statement* – each list $3.00$2.00 Duplicate statement – each statement* $3.00 StatementDirect* These Debits fees ordered will be atcharged a branch to your– each account statement* monthly on the last day of the month or on theF$3.00$r1 edate0.00e you close Statementyour account. ordered at a branch – each statement* $3.00 StatementThisThis fee iiss payapayableorderedble fthroughforor eeitherithe rInternet a temptemporary oBanking*rary ssuspensionuspension oorr aa ppermanentermanent Free Statement ordered through Internet Banking* Free cancellationcancellation ooff tthehe DDirectirect DeDebitybit paym payment.ent. Statement^ These fees sent are tocharged overseas to youraddress account – each on statement* the day you request the service. $5.00 Statement sent to overseas address – each statement* $5.00 StopTRepeatelegraphic P aymentsof previously Transfers issued – statementWithin Australia – each statement^ $6.00 or $60 each hour Repeat of previously issued statement – each statement^ $6.00 or $60 each hour OtherDirect Debitsfinancial institutions involved in the transfer may deduct additional fees. $10.00 Faxed statement – each statement^ $2.25 FaxedOutward statement – each statement^ $30.00$2.25 This fee is payable for either a temporary suspension or a permanent Othercancellation statement of the fees Direct may Debityalso apply payment. OtherInward statement fees may also apply $10.00 Transaction list issued at a branch – each list $2.00 Transactionraceelegraphic Request list T ransfersissued at a– branch Within – eachAustralia list $2.00 * These fees will be charged to your account monthly on the last day of the month or on the date you close OtherFor each financial request toinstitutions perform a traceinvolved on any in thetransaction transfer type. may deduct additional fees. $15.00 your* These account. fees will be charged to your account monthly on the last day of the month or on the date you close your account. TOutwardransfer Fees to accounts at another Australian Financial Institution $30.00 ^ These fees are charged to your account on the day you request the service. InwardP^ eriodicalThese fees Transfer are charged Fee – toeach your payment account on the day you request the service. $$3.5010.00 Stop Payments TStopBankrace TP ransferRequestayments fee (staff assisted) – each payment $5.00 Direct Debits $10.00 ForDirect each Debits request to perform a trace on any transaction type. F$15.00$r1e0.00e This fee is payable for either a temporary suspension or a permanent Transfer Fees to accounts at another Australian Financial Institution cancellationThisThis fee iiss payapayable of bthele f forDirector eeitherith eDebityr a temptemporary payment.orary ssuspensionuspension oorr aa ppermanentermanent cancellationcancellation of tthehe DDirectirect DeDebitybit paym payment.ent. Periodical Transfer Fee – each payment $3.50 Telegraphic Transfers – Within Australia TBankelegraphic Transfer Tfeeransfers (staff assisted) – Within – each Australia payment $5.00 Other financial institutions involved in the transfer may deduct additional fees. Other financial institutions involved in the transfer may deduct additional fees. Outward $30.00 Outward $30.00 Inward $10.00 Inward $10.00 Trace Request Trace Request For each request to perform a trace on any transaction type. $15.00 For each request to perform a trace on any transaction type. $15.00 Transfer Fees to accounts at another Australian Financial Institution 26. Transfer Fees to accounts at another Australian Financial Institution 26. Periodical Transfer Fee – each payment $3.50 Periodical Transfer Fee – each payment $3.50 27588 BOQ G611 SaveBank to T ransferWin Acct fee Fin (staff Svcs assisted) Guide.indd – each payment28 $5.00 17/10/11 9:03 AM 27588 BOQ G611 SaveBank to T ransferWin Acct fee Fin (staff Svcs assisted) Guide.indd – each payment28 $5.00 17/10/11 9:03 AM
26. 26. Transfer Fees to accounts at BOQ TransferPeriodical FeesTransfer to Feeaccounts – each atpayment BOQ Free Periodical Transfer Fee – each payment Free Excludes payments made via Internet Banking and EasyPhone Banking ExcludesUnclaimed payments Funds made Fee via Internet Banking and EasyPhone Banking UnclaimedCharged when Funds an account Fee has been inoperative for 7 years or more as at 31 December 30.00 VouchersCharged when and an other account records has been for inoperativesearching for 7 years or more as at 31 December 30.00 VouchersLocation and and photocopying other records – each for search searching $12.00
LocationGeneral search and photocopying of records – each search $60.00$12.00 each hour minimum $30.00 General search of records $60.00 each hour minimum Direct debit validation search enquiry $30.00 Direct debit validation search enquiry $30.00 6. PAYMENT SERVICES 6. PAYMENT SERVICES 6.1 Payment Services 6.1 PPaaymentyment Services Services are available on many of our products, including this Account. These terms and conditions deal Ponlyayment with Services Payment are Services available as theyon many apply of to our the products, Accounts including described this in thisAccount. PDS. These terms and conditions deal only with Payment Services as they apply to the Accounts described in this PDS. 6.2 Branches 6.2 AtBranches a branch you can: At a branch you can:
6.3 ATMs 6.3 (a)ATMs Features and benefits (a) A Features Card can and be usedbenefits to access your Account at any domestic ATM that accepts our Cards. You will find our ATMs Card outside can be manyused tobranches access yourand atAccount other convenient at any domestic locations ATM. that accepts our Cards. You will find our AUsingTMs outsidea Card and many PIN branches you can: and at other convenient locations. Using a Card and PIN you can:
27. 27.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 2929 17/10/113/9/19 5:519:03 pmAM 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 2929 17/10/113/9/19 5:519:03 pmAM (b) Risks You should ensure that other people do not observe you entering your PIN. Once your PIN is known by another person, they can make Unauthorised Transactions on your Nominated Accounts. In some circumstances you will be liable for those transactions (refer to chapter 7). Money is at your risk as soon as it becomes visible or available at an ATM. Please refer to section 7.5 if you think your security has been compromised.
(c) Some rules about ATMs You can also access your Nominated Accounts using the ATMs of most other financial institutions. While you may not be able to perform every type of transaction at these ATMs, you can check your Account balance and withdraw cash. When using one of our ATMs, the minimum cash withdrawal in any transaction is $20 (subject to the necessary note denominations being available). The maximum amount of cash you can get through ATMs on any one day is a total of $1,000 per Card or Credit Card (your daily cash limit). EFTPOS have their own limits – see section 6.6(c).
determined according to the relevant institution and you may incur an ATM Operator Fee for each transaction. If an ATM Operator Fee is applicable it will be disclosed on the ATM screen at a point in the transaction which allow you to opt-out of the transaction without incurring any charge. The ATM Operator Fee includes Balance Enquiries. We are not responsible for any restrictions or conditions on the use of an ATM imposed by any other financial institution. ATM transactions are processed as soon as practicable after the transaction. This is not necessarily the same day as the transaction.
6.4 Bank Cheques
(a) Features and Benefits A “bank cheque” is a cheque that a bank draws on itself. Bank cheques are generally treated in the same way as ordinary cheques. Although many people regard bank cheques as cash, in certain circumstances the bank cheque might not be paid by the bank that issues
following policy in relation to bank cheques:
(i) Forged or unauthorised bank cheques
authority, the bank is not legally liable to honour it.
(ii) Bank cheque materially altered A bank will dishonour a bank cheque which has been fraudulently and materially altered. A bank will cooperate with any holder of a cheque, or a person who is about to receive it, who wants to verify that the cheque is a valid bank cheque.
(iii) Bank cheque reported lost or stolen Where a bank is told that a bank cheque is lost or stolen and is satisfied that this is the case, the bank will not honour if it is presented for payment by a person who has no right to it. The bank can provide a replacement bank cheque for a fee.
(iv) Court order restraining payment A bank must observe an order of a court restraining the bank from paying its bank cheque which is presented for payment while the order is in force.
(v) Failure of consideration for the issue of a bank cheque
28.
WIN0075396 BOQ G611 Save to Win PDS FSG_A5.indd 30 3/9/19 5:51 pm 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 30 17/10/11 9:03 AM cheque to the bank in payment for the bank cheque is dishonoured), the bank will refuse to pay the bank cheque if the person presenting the bank cheque for payment:
the bank cheque (e.g. that the cheque in favour of the bank had been dishonoured). Details of our fees for the issue of a bank cheque or a replacement bank cheque are set out in Chapter 5.
6.5 Cheques
(a) Features and benefits Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments are not available on this Account, however, you can deposit cheques drawn against other accounts into the Account.
(b) Risks If a cheque is endorsed with the words “or bearer” included on it, any person who has possession of it may obtain payment of the cheque, even if that person found it or stole it. If the words “or bearer” are crossed out, only the person named on the cheque can obtain payment.
If a cheque is crossed (i.e. draw two parallel lines across the surface of the cheque), the drawer of the cheque is instructing us not to cash it over the counter. If the drawer does not cross the cheque, we may cash the cheque over the counter at any of our branches.
If the drawer marks a cheque “not negotiable”, where the cheque is transferred, the person who obtains the cheque has no greater rights than the person who transferred it to him or her. If the cheque is not marked “not negotiable”, a person who innocently obtains the cheque from someone not entitled to it may obtain payment of the cheque.
(c) Other important information
(i) What is a cheque? A cheque is a written order to a financial institution to pay a sum of money on demand.
(ii) Time taken for clearing a cheque Cheque clearance involves several steps, which can take a number of days. The usual time for clearance of a cheque is between 3 and 5 Business Days. You should ask us for an estimate of the time it will take if you need to know. An arrangement for special clearance on cheques is not available. We are unable to arrange for a cheque to be cleared faster than the usual time for clearance.
Normally, you will not be able to withdraw the value of a cheque you deposit until the cheque is cleared, even though your Account may be credited with the proceeds of the cheque. This rule applies even to cheques made payable to “cash ”.
(iii) Third party cheque deposits Cheques can normally only be deposited into the Account of the person or company named as the payee on the cheque.
If you are depositing a cheque to your Account, and you are not the person named in the cheque, please ensure that the payee transfers ownership of the cheque to you by signing the back of the cheque in the following manner:
Please pay [your Account name]
Signed [payee’s signature]
29. We can ask you at the time you deposit the cheque, how you received the cheque, and make enquiries with the payee or the person who drew the cheque, to ensure that the cheque has not been lost or stolen. If the cheque has not been properly signed over, or if a satisfactory explanation as to how you received the cheque has not been given to us, we may refuse to accept the deposit
(iv) What is the effect of crossing a cheque? If you cross a cheque you are telling a financial institution not to cash it over the counter. The
does cash the cheque it can be liable for any loss suffered by the true owner. Crossing a cheque means drawing across the face of the cheque two parallel lines, with or without the words “not negotiable” between them. A crossing may be added by you when you make out a cheque or by any person who obtains possession of your cheque. This is an example of a properly crossed cheque:
ABN 32 009 656 740 Not Negotiable
(v) How to open a crossed cheque Once a cheque has been crossed, it can only be “opened” by the person who originally made out the cheque. By opening the cheque, the holder of the cheque will be open to cash it over the counter at a financial institution. A cheque can be opened by striking out the crossing, adding the words “pay cash” and then signing (not initialling) the alteration.
(vi) What is the meaning of “not negotiable”? The words “not negotiable” between two parallel lines across the face of a cheque mean that, where the cheque is transferred, the person who obtains the cheque has no greater rights than the person who transferred it to him or her. For example, your cheque might be stolen and then passed on by the thief to another person. That person might then obtain payment of the cheque. In this example, if the cheque was crossed and marked “not negotiable”, the person from whom the cheque was stolen might recover the amount of the cheque from the person who obtains payment of the cheque, even though that person may not have done anything wrong.
(vii) What is the meaning of “account payee only”? These words on a cheque are a warning to a financial institution with whom the cheque is deposited that the cheque should be paid only to the person named on the cheque as payee. If that financial institution pays a different person, it can be liable to the true owner, unless the financial institution acted in good faith and without negligence (e.g by making enquiries and receiving a reasonable explanation). The words “account payee only” do not prevent the transfer of a cheque.
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(VIII) What is the significance of deleting “or bearer”? Cheques are generally printed with the words “or bearer” appearing at the end of the line on which you put the name of the person to be paid. For example:
The words “or bearer” mean that (except in cases where the cheque is crossed and must therefore be collected by a financial institution) we have authority to pay it to any person in possession of it, even if that person found it or stole it, unless we have reason to suspect that the cheque might have fallen into the wrong hands. If you wish to alter this by making the cheque an “order” cheque, the simplest course is to cross out the words “or bearer” which are printed on the cheque. The words “to the order of” can also be inserted before the name of the payee, but if this is done the words “or bearer” must still be crossed out. If the cheque is an “order” cheque then we only pay it to:
any other person to whom the named payee, by endorsing the cheque on the reverse side, has ordered it to be paid. This is an example of a cheque made payable to “order”:
(IX) Cheques unpaid or “dishonoured” Your cheque could be unpaid or “dishonoured” in certain circumstances, such as where:
there is some irregularity with your cheque. For example your cheque is unsigned, is more than 15 months old, is post-dated (i.e. bears a date that has not arrived), or has been materially altered (e.g. by a change of the amount originally stated in it) and you have not signed the
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If a cheque you have deposited is dishonoured, we will tell you. We will reduce the balance of your Account by the amount of the cheque if we have already credited your Account with that amount. Details of our fees are set out in Chapter 5.
6.6 EFTPOS
(a) Features and benefits You can use your Card and PIN to pay for goods and services and withdraw cash at the same time from many retail and service outlets. Please note that some outlets do not give out cash. You may access your Account through domestic EFTPOS facilities but not EFTPOS facilities in countries other than Australia
(b) Risks You should ensure that other people do not observe you entering your PIN while using EFTPOS facilities. Once your PIN is known by any other person, they might be able to make Unauthorised Transactions on your Nominated Account. In some circumstances you will be liable for those transactions (refer to chapter 7). Merchants do not have to accept your Card, and might not allow you to withdraw cash even if they do allow you to purchase goods and services with your Card. We have no control over the hours during which a Merchant operates nor the hours during which the Merchant will accept your Card.
(c) Some rules about EFTPOS As set out in section 4.2, Accounts can be accessed using EFTPOS. Unless you have made arrangement with your branch for an increased limit, then the maximum amount We have no control over the hours during which Australia Post operates Bank@Post nor the hours during of funds (including case out) you can obtain through EFTPOS on any one day is a total of $1,000 per Card. which Australia Post will accept a Card/Credit Card for Electronic Transactions. Some goods and services might not be able to be purchased using a Card. Use of a Card might be Wsubhhehenejenc tu stsioiinng got Ahuerss ttlrriamialliiataa PPtoioossnstt BB paanklnacedk@@P Poonsst t i ftsffaaa cuciliseiltiit eibyess, ,y tyoheouu Mew willirl lcbe hbea rn erequtq oruir ieotreddh ter oto si nusuppsptpitlyuly tyi oonyuourrs .C WeaCradrd/Cre areand notudsiet responsibleCardthe P IaNn d forin c agoouseth dofesnt orwici tsahertdriovinac.wesa lobtais, a PInNed. from a Merchant using a Card. CEFasTPOSh depo trasnitssa ctoti oansn A accore prunotc eiss sedlimi taeds s oonto $ 3a,s0 prac00 inti caa reblaeson aftaerb ltehe (a stra dentsaermctiion,ned but by noAust tnecesralia Psariostl)y rtanheg e ofsa mdeen doamy iansa ttheions t rperans atrcatnsiona.ction. You may also deposit up to 5 cheques into an Account per transaction. 6.7 6.8 InternetCas hBanking withdrawals are subject to transaction limits imposed by Australia Post. Internet Banking is available on your Account. Please refer to the Internet Banking terms and conditions as set out Due to PIN pad restrictions, you will only have access to three accounts designated as “Cheque”, “Savings” in Electronic Banking Terms and Conditions. or “Credit”.
6.6.810 Direct Debits 6. 10 Direct Debits
(a) Features and benefits A direct debit arrangement is an agreement between you an a merchant in which you preauthorise the merchant to bill your Card or Account at predetermined intervals (e.g. monthly or quarterly) or at intervals agreed by you. The amount may differ or be the same for each transaction. For example, you may ask your local gymnasium to charge your monthly gym membership fee to your Credit Card or Account each month. Some benefits of a direct debit arrangement are:
money orders. You should be aware however, if there are insufficient funds in your Account to cover the direct debt, you may be liable for both late payments fees charges by the merchant and additional bank fees will also apply. Accounts may be direct debited. You will need to enter into a direct debit services agreement with the person who will be debiting your Account. We will then allow that person to debit your Account in accordance with that agreement.
(b) Some rules about Direct Debits 32. To institute a direct debit arrangement, you will need to give your personal details, such as your Account We have no control over the hours during which Australia Post operates Bank@Post nor the hours during which Australia Post will accept a Card/Credit Card for Electronic Transactions. WhenWhen ususinging AAususttraliraliaa PPostost Bank@PBank@Postost ffacaciliiltiesities, ,yo youu w willil lbe be r eqrequireduired to to supp supplyly yo yourur Card Card/Cred and useit Cardthe PIN an d forin c auasethentication. of withdrawals, a PIN. Cash deposits to an Account is limited to $3,000 in a reasonable (as determined by Australia Post) range of denominations per transaction. You may also deposit up to 5 cheques into an Account per transaction. Cash withdrawals are subject to transaction limits imposed by Australia Post. Due to PIN pad restrictions, you will only have access to three accounts designated as “Cheque”, “Savings” or “Credit”.
6.10 Direct Debits
(a) Features and benefits A direct debit arrangement is an agreement between you an a merchant in which you preauthorise the merchant to bill your Card or Account at predetermined intervals (e.g. monthly or quarterly) or at intervals agreed by you. The amount may differ or be the same for each transaction. For example, you may ask your local gymnasium to charge your monthly gym membership fee to your Credit Card or Account each month. Some benefits of a direct debit arrangement are:
money orders. You should be aware however, if there are insufficient funds in your Account to cover the direct debt, you may be liable for both late payments fees charges by the merchant and additional bank fees will also apply. Accounts may be direct debited. You will need to enter into a direct debit services agreement with the person who will be debiting your Account. We will then allow that person to debit your Account in accordance with that agreement.
(b) W Somee have rules no controaboutl Directover the Debits hours during which Australia Post operates Bank@Post nor the hours during which Australia Post will accept a Card/Credit Card for Electronic Transactions. To institute a direct debit arrangement, you will need to give your personal details, such as your Account WhenWnuhenmber ususing anding AAusBSBusttrali ratoli athea PPostost person Bank@PBan k@Pwhoostost wil flfacacili beil tiesdebities,i ,tingyo youu wy wourillil lbe beAccoun r eqrequireduirt.ed to to supp supplyly yo yourur Card Card/Cred and useit Cardthe PIN an d forin c auasethentication. of withdrawals, a PIN. You are encouraged to maintain a record of any direct debit arrangement you enter into with a merchant. CashA temp deposlate iretsc toord an is A avccounailablt ei sfrom limit theed to Austral $3,000ian in P aymentsa reasonab Clearle (asing de Associaterminedtion by w ebsiteAustralia, Post) range ofwww denom.apca.inatcomions.au .per transaction. TYoou chei mataherngey ach lsoanange deposexisting or itcanc updire eltoc a t5 debitd cireheqct uarrangement debites into arrangement an Ac (e.g.count to you perchange shouldtransaction the c ontacaccount. t the to merchantbe debited), at youleast should 15 day contacts prior to the next scheduled payment. Until you attempt to cancel the direct debit arrangement we must theCash merchant withdrawa at lsleast are 15sub daysject toprior tran tosa thection next limits scheduled imposed payment. by Australia Post. ShouDue told PINyour p Cardad res nutrimctberions be, y oucha wingedll on (ily.e. have as a aresuccesslt ofto lostthree or accounstolen tcsard) des youignated mus ast request “Cheque”, the “Savingsmerchan”t Should your Card number be changed (i.e. as a result of lost or stolen card) you must request the merchant toro “Creditchange”. the details of your existing direct debit arrangement otherwise direct debits may not be thonouredo change bythe us det orail thes of mer youchar exnti stmingay stopdirec provt debitiding arrangement the goods and/orotherw serisev direcices.t debits may not be honoured by us or the merchant may stop providing the goods and/or services. 6.10 DirectShou Debitsld the merchant fail to act in accordance with your instructions you may have rights to dispute. ShouA chaldn gethe in mer Acccounhantt detfailai tols aletctter in accancordance be found w iatth theyour BOQ ins twrucebtsite,ions http://you maywww. haveboq.com.au rights to /dispute . (a) FeaturesAca chardswitngec hiiandnng. Acc benefitshountm. tW dete reaiclsommend letter can you be keep found a copyat the of BOQ any wchangeebsite, in http:// accounwww.t deboq.com.autails letter /sent to your cardswitching. htm. We recommend you keep a copy of any change in account details letter sent to your mA erchandirect debt andit ayrrangementour direct debi is atn s eragreementvice agreements. between This you correspondence an a merchant wilin wl behic requh youired preauthorise if your merchan the t merchant and your direct debit service agreements. This correspondence will be required if your merchant doesmerchan not tc toompl bilyl ywourith Cardyour orrequest Account in a at ti mepredeterminedly manner and intervals you de (ecide.g. monthlyto dispute or an quary incorrectlyterly) or at charged interval sdirec t does not comply with your request in a timely manner and you decide to dispute any incorrectly charged direct debagreedits. Abnyy you issues. The wi amthou yournt may dire ctdi fferdeb iorts , bein ctheluding same the for fai ealucreh oftransact the merchanion. Fort example,to act on youa change may as ink Accoun t debits. Any issues with your direct debits, including the failure of the merchant to act on a change in Account detyourails loc adalvice, gymna shousiumld beto tcakhaenrge up y ourdirect monthlly withy gym your membersh merchanti pfirst fee. to your Credit Card or Account each details advice, should be taken up directly with your merchant first. month. (c) CancellingSome benefi ats direct of a d irectdebit debit arrangement are: (c) Stopping a direct debit If the direct debit is set up drawing on your BSB and Account number, you may instruct us to cancel tIfhe the direc diret cdebt debit onit i syou setr upbe hadralfwi. Ifng you on instruct your BSB us andto cancel Accoun thet numbe direct rdebit,, you maywe w instruill preventct us tothe cance previousll y the direct debit on your behalf. If you instruct us to cancel the direct debit, we will prevent the previously have done this. We recommend that you also contact the party that debits the payment to inform them that 33. the direct m debitoney hasorders been. cancelled. You should be aware however, if there are insufficient funds in your Account to cover the direct debt, 27588 BOQ6.106.96.11 G611 Save Direct youto Credits Win ma Accty be Finliab lSvcse for Guide.inddboth late pa y35ments fees charges by the merchant and additional bank fees will 17/10/11 9:03 AM
(a) Featuresalso apply. and benefits YAccounou cant sa uthormay beise d anyirec tperson debited (e.g. Y.ou your will emplo needy toer) enter to el ectronicainto a directlly credi debitt fundservices tos agreementyour Account. with You th ewill needperson to w enterho wi intoll be form debitaling arr youanger Amccentsount w.ith W ethe wil personl then alwholow wilthatl be person credit toing deb yourit your Account Account. in accordance with that agreement.
(b) Some rules about direct credits (b) Some rules about Direct Debits To institute a direct credit arrangement, you will need to give your personal details, such as your Account nuTo minsbetitr,ute to thea d ipersonrect debi wht oa rrangement,will be credi tingyou wyourill need Account to gi. ve your personal details, such as your Account number and BSB to the person who will be debiting your Account. If you wish to stop the direct credit arrangement, you will need to instruct the person who will be credYou itiareng encour your Accountaged to maintaidirectly.n W a erecord are unable of any to d istoprect ddebitirect arrangementcredits from beingyou enter deposited into w intitho a merchant. yourA temp Accountlate re.cord is available from the Australian Payments Clearing Association website, www.apca.com.au.
To cheitahernge ch anange existing or canc direelc at debitdirect arrangement debit arrangement (e.g. to you change should the c ontacaccountt the to merchantbe debited), at youleast should 15 day contacts theIfpr iyor oumerchant to c losethe nextyou at Aleast scccounthed 15ul ,eddays and pa dopriorym ent.not to notif Untithe lynext you the scheduledattemptperson who to payment. cancel will be the cred direcitingt debiyourt Accountarrangement of your we nemusw t bank account details, any funds credited to your old Account will automatically be sent back to the person Shoucreditildng your your Card Account. number be changed (i.e. as a result of lost or stolen card) you must request the merchant Shouto changeld your the Card det ailnusm ofber you ber cexhaistngeding d(ii.ree.c ast debit a resu arrangementlt of lost or sotherwtolen ciard)se direc yout mus debitst request may not the b emerchan t thonouredo change bythe us det orail thes of mer youchar exnti stmingay stopdirec provt debitiding arrangement the goods and/orotherw serisev direcices.t debits may not be 6.12 Transferhonoured orders by us or the merchant may stop providing the goods and/or services. Should the merchant fail to act in accordance with your instructions you may have rights to dispute. (a) ShouA Features chaldn gethe iandn mer Acc Benefitscounhantt detfailai tols aletctter in accancordance be found w iatth theyour BOQ ins twrucebtsite,ions http://you maywww. haveboq.com.au rights to /dispute . AcaYou chardswit cannge ca hirrangeinng. Acc houn tm.for tWus dete to reai trclsommendans letferter pcana youyments be keep found from a copyat your the of BOQA anyccoun wchangeebt automasite, in http:// accounticawww.lly,t sode boq.com.authatails youletter do /sent not tohave you tro mcareerchanmrdswitemberct hi andtong. m yhaourtm.ke thed Wirece pay ret debicmommendent tsser yourselfvice you agreements. keep. This a ser copyvice This of is any correspondencepar tchangeicularly in useful accoun wil forl bet mde requakingtailsired letloa iftern your paymentssent merchan to you, r t doesmeithererchan not to tusc andompl or ytyoour wanoti thdirec heryourt finandebi requestt ciseral viicenstitutionn a agreements.timely. manner This and correspondence you decide to wildisputel be requ anyi redincorrectly if your merchancharged tdirec t debdoesits not. Any compl issuesy w wiithth your your request direct debin aits ti,me inclyluding manner the and failu yreou of de thecide merchan to disputet to an acty ionncorrectly a change charged in Accoun direct t This service is available on Accounts. detdebaitsils. Aadnyvice, issues shou wildth be your tak endire upct ddebirectitsly, inwcithluding your the merchan failuret offirst the. merchant to act on a change in Account detUnlaikeils dadirectvice, deb shouits,l dthe be persontaken upyou d iarerect payingly with doesyour notmerchan need tto first know. your personal details, such as your Account number (unless the person you are paying is us). (c) Cancelling a direct debit (c) Stopping a direct debit YIfou the can dire instruct debctit us is asett an upy tdraimewi tong c ancelon your the BSB servi andce, Accounhowevert numbeyou musr, yout tel mayl us atinstru leastct 1 us Bank to cance Businesl s DatIfhe tyhe direcbefore diret cdeb ty debourit onitnex i syou tset perr upbeiod hadraiclfalwi. Ifpang youym on entinstruct your is dueBSB us. andto cancel Accoun thet numbe direct rdebit,, you maywe w instruill preventct us tothe cance previousll y the direct debit on your behalf. If you instruct us to cancel the direct debit, we will prevent the previously (b) Risks 33. We will attempt to make payments on the days you tell us to. However, we are not responsible for:
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If we do not make the payment, you are still responsible for making that payment. You must ensure that there are sufficient cleared funds in the Account when the payment is due. If there are not sufficient funds, the payment may not be made, and you may be charged a dishonour fee. If you do not tell us of cancellation of a transfer order at least one Bank Business Day before the next payment date, we may make that payment regardless of your instruction not to do so.
(c) Stopping a transfer order If you have set up a transfer order from your Account, and you want to stop a specific transfer, you will need to tell us in writing at least one Bank Business Day before that transfer is due and tell us:
34.
27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 36 17/10/11 9:03 AM crediting your Account.
6.6.1210 Transfer orders have done this. We recommend that you also contact the party that debits the payment to inform them that (a) Featuresthe direct anddebit Benefits has been cancelled. You can arrange for us to transfer payments from your Account automatically, so that you do not have to 6.11 Direct re Creditsmember to make the payments yourself. This service is particularly useful for making loan payments, either to us or to another financial institution. (a) Features and benefits This service is available on Accounts. You can authorise any person (e.g. your employer) to electronically credit funds to your Account. You will Unlike direct debits, the person you are paying does not need to know your personal details, such as your need to enter into formal arrangements with the person who will be crediting your Account. Account number (unless the person you are paying is us). You can instruct us at any time to cancel the service, however you must tell us at least 1 Bank Business (b) Some rules about direct credits Day before your next periodical payment is due. To institute a direct credit arrangement, you will need to give your personal details, such as your Account number, to the person who will be crediting your Account. (b) Risks If you wish to stop the direct credit arrangement, you will need to instruct the person who will be We will attempt to make payments on the days you tell us to. However, we are not responsible for: crediting your Account directly. We are unable to stop direct credits from being deposited into your Account.
If you close you Account, and do not notify the person who will be crediting your Account of your new bank account details, any funds credited to your old Account will automatically be sent back to the person If we do not make the payment, you are still responsible for making that payment. crediting your Account. You must ensure that there are sufficient cleared funds in the Account when the payment is due. If there are not sufficient funds, the payment may not be made. 6.12 Transfer orders If you do not tell us of cancellation of a transfer order at least one Bank Business Day before the next (a) pFeaturesayment dandate, Benefitswe may make that payment regardless of your instruction not to do so. You can arrange for us to transfer payments from your Account automatically, so that you do not have to (c) Stoppingremember ato transfer make the order paym ents yourself. This service is particularly useful for making loan payments, either to us or to another financial institution. If you have set up a transfer order from your Account, and you want to stop a specific transfer, you will needThis s terov tiecell iuss a ivna wilableritin go nat A lcecaosut notnse. Bank Business Day before that transfer is due and tell us: Unlike direct debits, the person you are paying does not need to know your personal details, such as your Account number (unless the person you are paying is us). You can instruct us at any time to cancel the service, however you must tell us at least 1 Bank Business Day before your next periodical payment is due.
(b) Risks (d) OtherWe wi llimportant attempt to information make payments on the days you tell us to. However, we are not responsible for: 34. The funds will be transferred from your Account on the day the transfer is due. If your transfer is going to an account at another financial institution or to a Credit Card, even if the transfer is due on a Bank 27588 BOQ G611 Save Buto Winsines Accts Da yFin, w eSvcs may Guide.indd not be abl e 36to pay it until the next Business Day. 17/10/11 9:03 AM
IfW we ecan do c naoncelt ma yokeu rt hine sptrauycmtioennt ,for yo ua aretransfer still reorderspon asitb anle yfor tim mea kbiyng te tllihngat pyaouymen in wt.riting. We will also stop payments in other circumstances, (for example, death or bankruptcy). You must ensure that there are sufficient cleared funds in the Account when the payment is due. If there are not sufficient funds, the payment may not be made, and you may be charged a dishonour fee. 6.13 Mail deposits If you do not tell us of cancellation of a transfer order at least one Bank Business Day before the next (a) Featurespayment date, we may make that payment regardless of your instruction not to do so. You can make cheque deposits to your Account if you are unable to get to a branch by mailing your (c) chequeStopping to au stransfer. Reply-p aiorderd enve lopes and deposit slips are available free of charge through your local braIf younch h. aYveou se cat nupno at matrakensfer cash order deposits from tyoo uyrour Accou Accontu, ntand by you ma iwl. ant to stop a specific transfer, you will need to tell us in writing at least one Bank Business Day before that transfer is due and tell us: (b) Risks Your cheque will not be credited to your Account until it is received by us. We are not responsible if your cheque deposit is lost in the mail. Please refer to section 6.5(c) for other important information about cheques.
6.14 Telegraphic transfers
(a) Features and benefits 34. We can transfer funds electronically to other banks within Australia and overseas. We will send the
(d) Other important information The funds will be transferred from your Account on the day the transfer is due. If your transfer is going to an account at another financial institution or to a Credit Card, even if the transfer is due on a Bank Business Day, we may not be able to pay it until the next Business Day.
We can cancel your instruction for a transfer order at any time by telling you in writing. We will also stop payments in other circumstances, (for example, death or bankruptcy).
6 6.126.11.13 Mail(d) Otherdeposits important information
(a) FeaturesThe funds will be transferred from your Account on the day the transfer is due. If your transfer is going to an account at another financial institution or to a Credit Card, even if the transfer is due on a Bank BusinessYou can makeDay, wecheque may notdeposits be able to yourto pay Account it until ifthe you next are Businessunable to Day. get to a branch by mailing your cheque to us. Reply-paid envelopes and deposit slips are available free of charge through your local branch. You cannot make cash deposits to your Account by mail. We can cancel your instruction for a transfer order at any time by telling you in writing. We will also stop payments in other circumstances, (for example, death or bankruptcy). (b) Risks
6.13 Mail Yourdeposits cheque will not be credited to your Account until it is received by us. We are not responsible if your cheque deposit is lost in the mail. Please refer to section 6.5(c) for other important information about cheques. (a) Features 6.1266.13.14 Telegraphic You can transfers make cheque deposits to your Account if you are unable to get to a branch by mailing your cheque to us. Reply-paid envelopes and deposit slips are available free of charge through your local (a) Features and benefits branch. You cannot make cash deposits to your Account by mail. We can transfer funds electronically to other banks within Australia and overseas. We will send the (b) RisksTRANSFERS TO THE PAYEES BANK THROUGH OTHER !USTRALIAN AND OVERSEAS lNANCIAL INSTITUTIONS .ORMALLY WE expect the overseas payment to arrive within 48 hours, but processing times can vary. Your cheque will not be credited to your Account until it is received by us. We are not responsible if your cheque deposit is lost in the mail. Please refer to section 6.5(c) for other important information about cheques. (b) Risks
6.14 Telegraphic We cannot transfers guarantee when delivery of funds made by telegraphic transfer will arrive. If a payment is required to be made by a certain time, you must ensure that it is received by that time, even if you (a) Featureshave instructed and benefits us to make payment by telegraphic transfer and we have not done so, or it has not arrived on time. We can transfer funds electronically to other banks within Australia and overseas. We will send the TRANSFERS TO THE PAYEES BANK THROUGH OTHER !USTRALIAN AND OVERSEAS lNANCIAL INSTITUTIONS .ORMALLY WE We do not accept liability if a telegraphic transfer is not made, is late, or we fail to follow your instructions.expect the overseas payment to arrive within 48 hours, but processing times can vary. If we do not make the payment, you are still responsible for making that payment. (b) Risks 66.146.13.15 Bank Wedrafts cannot guarantee when delivery of funds made by telegraphic transfer will arrive. If a payment is required to be made by a certain time, you must ensure that it is received by that time, even if you (a) Featureshave instructed and benefits us to make payment by telegraphic transfer and we have not done so, or it has not Aarrived draft onis aan time. cheque international issued bybank us incheque foreign issued currency in a whichforeign is currency. payable atDrafts an overseas can be orderedbank. We in can any issue of our drafts within 7-10 Business Days in all major currencies. Drafts are an economical method of making branches We do not and accept willwill beliabilitybe issuedissued if fromafrom telegraphic our our head head transfer office office to tois the notthe branch made,branch iswithin withinlate, or48 7-10 wehours. fail Business Draftsto follow Days.are youran Drafts economical are an economicalpayment to someonemethod ofoverseas. making non-urgent overseas payments. You simply post the draft to the payee. instructions.method of making non-urgent overseas payments. You simply post the draft to the payee. (b) Risks If we do not make the payment, you are still responsible for making that payment. If a bank draft is lost or stolen, you should contact us immediately. We will arrange to stop payment and issue a replacement. However, if the cheque has already been paid, you will not be able to obtain a 6.15 Bank drafts replacement of the draft, or a refund of the amount you have paid for the bank draft. (a) Features and benefits 66.156.14.16 Foreign A draft currency is an internationalcheque deposits bank cheque issued in a foreign currency. Drafts can be ordered in any of our branches and will be issued from our head office to the branch within 48 hours. Drafts are an economical (a) Features and benefits method of making non-urgent overseas payments. You simply post the draft to the payee. (b) SubjectRisks to our approval, you can lodge foreign currency cheques for credit to your Account. We will convert the foreign currency amount to Australian dollars. Usually the exchange rate is applied on the day theIf a chequebank draft is credited is lost or to stolen, your Account. you should Foreign contact currency us immediately. cheques usually We will take arrange 8 weeks to stop to be payment cleared, andbut mayissue take a replacement. longer. You However,will not have if the access cheque to hasthe alreadyfunds represented been paid, byyou the will cheque not be until able itto is obtain cleared. a replacement of the draft, or a refund of the amount you have paid for the bank draft. (b) Risks 6.16 Foreign currency cheque deposits Like all cheques, a foreign currency cheque can be dishonoured. Because the exchange rate that is applied (a) Featuresto your cheque and benefits is the rate on the day the cheque is credited to your Account, the exchange rate may be more or less favourable to you than when you requested the foreign currency cheque, or when you first 35. Subject to our approval, you can lodge foreign currency cheques for credit to your Account. We will received the cheque. This means that the cheque may be worth more or less to you at the time of crediting convert the foreign currency amount to Australian dollars. Usually the exchange rate is applied on the day to your Account than when you received it. 27588 BOQ G611 Save theto Win cheque Acct isFin credited Svcs Guide.indd to your Account. 37 Foreign currency cheques usually take 8 weeks to be cleared, but 17/10/11 9:03 AM may take longer. You will not have access to the funds represented by the cheque until it is cleared. 6.17 Foreign currency sales and purchases
(b)(a) RisksFeatures and benefits LikeWe canall cheques,buy from a you, foreign or sell currency to you, cheque foreign can currency be dishonoured. notes (subject Because to any the restrictions exchange rateimposed that byis appliedthe issuing countries). You can order foreign currency notes from any branch on a pre-paid basis. Orders are 35. subject to currency being available to us. You will need to give us reasonable notice if you want to order foreign currency. Purchases are subject to certain currency and denomination restrictions.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 3737 17/10/113/9/19 5:519:03 pmAM (b) Risks
(i) Exchange rate risk Different exchange rates apply for buying and selling foreign currency. We calculate both sales and purchases on the rate applying at the time of the sale or purchase. If you sell foreign currency to us, the exchange rate applying at the time we purchase the currency may be more or less favourable to you than the time at which you purchased the foreign currency. The sale of foreign currency by you may result in a loss to you. If we sell foreign currency to you, the exchange rate applying at the time you buy the currency may be more or less favourable to you than the time at which you spend the foreign currency. This means that when you spend the foreign currency, it may be worth less to you. Particular foreign currencies might not be available to purchase at the time you wish to do so.
(ii) Counterfeit foreign currency notes risk Should any foreign currency notes purchased from you subsequently be found to be counterfeit you authorise us to: (a) Debit your Account with the counterfeit foreign currency note value in Australian dollars. The Australian dollars debit amount will be calculated on the selling exchange rate applying AT THE TIME OF THE DISCOVERY BY US OF THE COUNTERFEIT FOREIGN CURRENCY NOTES AND (b) Provide any counterfeit foreign currency notes to the relevant government agencies and authorities. You acknowledge that our discovery of any counterfeit foreign currency notes bought from you may result in a loss to you.
6.18 Fees and Charges You can find details of fees and charges applicable to particular Payment Services in Chapter 5.
7. ELECTRONIC ACCESS METHODS
7.1 Terms and conditions of Electronic Access Methods You are bound by the terms and conditions relating to the use of an Electronic Access Method, when you first use it and each subsequent use of the Electronic Access Method constitutes acceptance of the terms and conditions then in force. In this chapter, a reference to “you” includes all Authorised Users accessing your Account where the context allows, unless stated otherwise, and “your” has a corresponding meaning.
7.2 Some rules about your Card These rules apply to all transactions involving the use of a Card and PIN.
(a) Your Card and PIN You will receive a Card when you open your Account. For Account Access Cards, you may be required to acknowledge receipt of the Card by signing an acknowledgment at the branch where the Card is issued. A Card is valid only if it has been signed by you and is used during the validity period shown on the face of 36.
27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 38 17/10/11 9:03 AM to your Account than when you received it.
66.15.17 Foreign to yourcurrency chequ salese is t heand ra tepurchases on the da y the cheque is credited to your Account, the exchange rate may be more or less favourable to you than when you requested the foreign currency cheque, or when you first (a) Featuresreceived the and ch benefitseque. This means that the cheque may be worth more or less to you at the time of crediting Wto eyour can Accoubuy fromnt t hanyou , whor esnel lyou to yoreuce, iforeved ignit. currency notes (subject to any restrictions imposed by the issuing countries). You can order foreign currency notes from any branch on a pre-paid basis. Orders are 6.17 Foreignsub currencyject to cu rrencsalesy andbeing purchases available to us. You will need to give us reasonable notice if you want to order foreign currency. Purchases are subject to certain currency and denomination restrictions. (a) Features and benefits (b) WRiskse can buy from you, or sell to you, foreign currency notes (subject to any restrictions imposed by the issuing countries). You can order foreign currency notes from any branch on a pre-paid basis. Orders are subject to currency being available to us. You will need to give us reasonable notice if you want to order (i) Exchange rate risk foreign currency. Purchases are subject to certain currency and denomination restrictions. Different exchange rates apply for buying and selling foreign currency. We calculate both sales and purchases on the rate applying at the time of the sale or purchase. If you sell foreign (b) Risks currency to us, the exchange rate applying at the time we purchase the currency may be more or less favourable to you than the time at which you purchased the foreign currency. The sale (i) ofExchange foreign crateurrenc risky by you may result in a loss to you. If we sell foreign currency to you, the excDifferehannget excrathe aanpplyge rinatges at a ppthely t forime buying you buy and the sel currenling forecy mignay curre be mnorecy. Wor el ecsaslcu favourablate botleh tsao yolesu thandan purc the hatimsese aotn w thheic hrat yoe uapp spendlyin gthe at forethe itgnime curren of thec ys. aTleh isor means purch ase.that If w yohenu seyoull fore spendign t he forecurreigncn yc utorren us,c yt,he it exchmay anbege worth rate lesapplys toing you. at Ptheart icutimelar we fore purcignh currease thenci escu mrrencyight nomat ybe be av moreailabl oer toles sp ufarcvohausrea balte tthoe yo timeu th youan twishe thi meto doat sowh. ich you purchased the foreign currency. The sale of foreign currency by you may result in a loss to you. If we sell foreign currency to you, the (ii) Counterfeitexchange rat eforeign applyin currencyg at the ti menotes you risk buy the currency may be more or less favourable to you than the time at which you spend the foreign currency. This means that when you spend the Sforehouigldn acnyurre forencyi,g itn mcuarrey bency w noorthtes l esspurch to ayou.sed Pfromarticul youar sforeigubsequentn currely nbeci esfou mnighd tot nobet co beu nterfeiavailablt e youto p uarcuthhaorseise at u tsh toe t:i me you wish to do so. (a) Debit your Account with the counterfeit foreign currency note value in Australian dollars. The Australian dollars debit amount will be calculated on the selling exchange rate applying (ii) Counterfeit foreign currency notes risk Should any foreign currency notes purchased from you subsequently be found to be counterfeit (b) Provide any counterfeit foreign currency notes to the relevant government agencies and you authorise us to: authorities. You acknowledge that our discovery of any counterfeit foreign currency notes (a) boDebitugh yto frour mAc yocouu nmt awity resuh thelt icounn a lossterfe toit you fore. ign currency note value in Australian dollars. The Australian dollars debit amount will be calculated on the selling exchange rate applying 66.16.18 Fees and Charges (b) Provide any counterfeit foreign currency notes to the relevant government agencies and You can find details of fees and charges applicable to particular Payment Services in Chapter 5. authorities. You acknowledge that our discovery of any counterfeit foreign currency notes bought from you may result in a loss to you. 7. ELECTRONIC ACCESS METHODS 6.18 Fees and Charges 7.1 Terms and conditions of Electronic Access Methods You can find details of fees and charges applicable to particular Payment Services in Chapter 5. You are bound by the terms and conditions relating to the use of an Electronic Access Method, when you first use it and each subsequent use of the Electronic Access Method constitutes acceptance of the terms and conditions then 7. ELECTRONICin force. ACCESS METHODS In this chapter, a reference to “you” includes all Authorised Users accessing your Account where the context allows, 7.1 Terms and conditions of Electronic Access Methods unless stated otherwise, and “your” has a corresponding meaning. You are bound by the terms and conditions relating to the use of an Electronic Access Method, when you first use it and each subsequent use of the Electronic Access Method constitutes acceptance of the terms and conditions then 7.2 Some rules about your Card in force. These rules apply to all transactions involving the use of a Card and PIN. In this chapter, a reference to “you” includes all Authorised Users accessing your Account where the context allows, unless stated otherwise, and “your” has a corresponding meaning. (a) Your Card and PIN 7.2 Some Y rulesou wi laboutl receive your a C aCardrd when you open your Account. For Account Access Cards, you may be required to acknowledge receipt of the Card by signing an acknowledgment at the branch where the Card is issued. These rules apply to all transactions involving the use of a Card and PIN. A Card is valid only if it has been signed by you and is used during the validity period shown on the face of the Card. You must destroy any Card that is no longer valid by cutting it diagonally in half. For Cards with (a) Your Card and PIN chips,the Ca therd. Y chipou m shouldust des talsoroy abeny cutCard in th two.at is no longer valid by cutting it diagonally in half. 36. A PIN can be set at the time your Account Access Card is issued. This is a 4 digit number which you have theYou Cwaird.ll receive You m uas Ct aderds troywhe nan yoy uC aoperd tnha yourt is noAcco longerunt. Forvali Accod by ucunttt Accessing it d iCagonards,a lyouly in may hal fbe. required to AsAe PINlPINect ed.willcan Sectio be ssetent at7.at 4 ttime hepro tiv meidesof issuey osoumr Aeeither cgucoiudent atlines Access your on bhoCraanchwrd tois proiforssued. tAccountect Tyourhis i s CAccess a rd4 daindg Cait secnumberrds,tion or 7 viawh.7 setiach letters youout hsoamvee theAack PIN nCowa crd.aledgen Y beou srecemetu asitp det hofestroy ttimehe anC yaoyrdu C rba Ayrdc scoun ignthaitng ti sAccess anon alongerck Cardnowledgme va isli idssued. by ncut aTtthi ingtsh ie si tbraa d 4iagonn dchig itwa lnumberherely in theha lwh fCard. ich i syou iss uhedav.e 27588 BOQ G611 Save mailedthesitomporte lWinec Ctaed. rd.aAccttont Sectio Y youion Finuform m sepa nSvcsu sat7.t 4iordeately pronGuide.indds troyonvides afteryour an sy o lCiayourm a be38rdili gu tytVisahai defort l iines DebitsUn noa onuthorlonger Ca hordiwsed has vato liT pro drabeen bntysactect cu issued. tiyouronsting. Cit aAdrdi agonPIN and isa secl lay 4tinion digit ha 7lf.7. numbe sets outr. some 17/10/11 9:03 AM Athese CPINlected aCrda crd. ias.n SectvY beaolidu simo etonnu as7lyt.4 detif hpro iesttroy thvimeaidess anbee y osyou nCmr a siAerdg cgncoun tuedhaidel tby ti sneAccess yonosu o longerandn hoCard isw vaused tiosli proidssued. durbtyect cuing Ttyourth itheings i sCiva ta d lrd4idiagon idatyindg itperioda seclnumberly tinion shoha 7 lwhwf.7.n seti chons youtouthe fhsoaacemve eo f AAimportt PINany c atimeantn bein tform hsete P aatItN iot hcnae n ot nimebe your ch yoa ulniarged bAiliccounty by for goit UnAccessnga uthorinto Card youised irs T birassued.rannsactch. T i onshYios u.i s s ah o4u dldig cith numberange your wh PINich youif a have theAsimportae PINlected Ca crd.an.n tSectY beionformu simoetnu as7ttion.4 det hproes troy otnvimeides yo an uy rosy ou lCiamra bAerdili cgcoun tytuhaidel fort ti sneUnauAccess nos olongernthori hoCardws ed va tios liT proidranssued. btysect actcu Ttiyouronsthiings .i sCi ta d rd4iagon daindgita seclnumberly tinion ha 7 lwhf.7. setichs youout hsoamvee (b) rAsUsingecoe PINlectedrd cofyoura.n Sectt hbe eCard siPINoetn a 7ht.4 at shpro ebee tvimeidesn lost y osou ormr Ae stolen cgcounuidel.t i YneAccessous oshoun hoCardlwd a tilosso proissued. reporttect T yourhyoisu i rsC caa rd4rd da lostindgit sec numberantd/orion 7 stolenwh.7 setichs to youout BO hsoQamv’se e 36. simportaelectedn. tSect informion a7tion.4 pro onvides you rs oliambeili gtyuidel fori neUnaus onthori howsed to T prorantsectact iyourons. Card and section 7.7 sets out some (b) CAsiUsingmportaeo PINlnectedta c cyourta n.Cn tSecte beinnform tCard rsieoet.n R a7eferttion.4 t hpro e to otnvime seides yoc tuyi ros ounliamr 7bAe.ili5 cg countyforuidel for moti neUnauAccessres odetanthori hoCardilsws edon tios Thowproiranssued.tsect actto Tiyourronsheportis .i sC a yo rd4 u darind gcita rsecnumberd(s)tion lost 7 wh.or7 set istolenchs youout. hsoamvee iYmportaou agreent thinformat wea tioncan odebitn yo uyor uliar bAiliccountty for Unauwith athorill trasednsac Trantionssact perforions. med using your Card other than as (b) sUsingelected your. Sect Cardion 7.4 provides some guidelines on how to protect your Card and section 7.7 sets out some the Card. You must destroy any Card that is no longer valid by cutting it diagonally in half. For Cards with chips,the Card the. Y chipou m shouldust destroy also anybe cut Card in thattwo. is no longer valid by cutting it diagonally in half. tAhe PIN Card ca.n Y beou setmust at destroythe tim eany your Card Acc thatount i sA noccess longer Card v alis iissued.d by cutting This i si ta d 4iagona digit llynumber in half wh. ich you have AAse PINlPINected willca.n Sec beti seton aat7t. 4 thetime pro tvim ofidese issueyour some Aeither ccguidelinesount at A yourccess on branch hoCardw toi sfor proissued. Accounttect Thyouris iAccess sCard a 4 digitand Cards, sectnumber orion via 7. wh7 a sets iletterch youout havsomee tAhe PIN Card ca.n Y beou setmust at destroythe tim eany your Card Acc thatount i sA noccess longer Card v alis iissued.d by cutting This i si ta d 4iagona digit llynumber in half whi. ch you have mailedtise themporhelected CardCard.ta tont.. Sec YYou youinformaouti mmustonseparatelyust 7ti. 4destroyon pro onv ides aftery ourany some yourl CardiaCardbili guidelines Visa tythatthat for Debit i issUnauthorised nono on longerCardlonger ho whas vvalidtoal T ibeenprodransaction bybytect cuttingissued.cutting yours. CardiittA d diagonallyPINiagona and is asectlly 4 indigitinion halfhalf. 7. number.7. 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PINPINlectedd willccanofyoura.n theSecSection be Card ti PINseton aat7ha7.4t. 4 thesthetime proprovidesbeen ttimevim idesof elost issueyouryour some or AstoleAccounteither ccguidelinesguidelinesountn. atY ouAAccess yourccess sh ononou branch hohowCardCardldw a l tosoto iiss protectforissued.protectrissued.epo Accountrt yo T Thisyouryourhisur ic iss CardCardAccessar aa d 44 l ostdiganddigitand Cards, itand/or ssection numberectionnumber or stolen 7 7.7via whi.which7 setsasets chto letter you BoutyououtOQ’s havsomhavesome ee sei themporlected Card.tant. SecYou informati muston 7ti.4 destroyon pro onvides y ourany some l iaCardbili guidelines tythat for isUnauthorised no on longer how validto T protectransactions by cutting your. 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Card. is issued, and you will be advised of Tover he tram theaxinsac cmu mustliable.ountertmion cashresolve Iflim i nyou itawis br onthdrahavethema nchCa wala rd.directly complaints arelimi st etswith i nout orthose the iconcernn sectionsMerchant. secti onsabout 6.3, do Transaction goods6.6not andapp or l6.9 yservices whenlimits. youon purchased Cards make a withwithdra yourwal Card, you TYa Theheouny matransactionsubsequentwilxil bemum adv cised ashlimitscha ofnwitges onthdrahe wCards maxewal maim karelimeum t itsoset cashthat in out those wl iinmitithdrawa sections sections. l l6.3,imit do not 6.6when applyand the 6.9. w Cardhen isyou issued make, and a w youithdra wiwalll be advised of (c) T TransactionThehe mattransactionmaximumransximuma mustcti onlimits ccashresolve ashlilimitsmit witwithdrawalons onthem hdraCards CCardsawal rddirectlys arearelimlimits itssetset with inin outout thosethose the iinn sectionssectionsMerchant. sectionssections 66.3, do.do 3,Transaction 6notnot6.6.6 andapplyandapply 6.96.9. wlimitswhen. hen youonyou Cards makemake aa wwithdrawalithdrawal (c) TransactionoverYou witthehell becouncounter ad limitstverised in aofon br t heanch.aCardsnch max. imum cash withdrawal limit when the Card is issued, and you will be advised of (c) TransactionoverTaTheheny mamaximumsubsequent tthehexi councountermum limitst erccash ashc iinhan nawitwithdrawalon gesbrbranch. hdraanch.Cards wewal ma klimlimitse titso that inin thosethose limit sections.sections dodo notnot applyapply wwhenhen youyou makemake aa wwithdrawalithdrawal (c) TransactionaTheny transactionsubsequent limits limitscha nonges on Cards wCardse ma karee t oset that out l iinmit sections. 6.3, 6.6 and 6.9. ToverY Theheou mtransactionmaximum wittheheaxill becouncountermu admtv ercashised limits iinn ofawiwithdrawal br branch.thdraontheanch. Cards maxwalim arellimitsimium sett scash iin nout those w inithdrawa sections sectsectionsionsl l6.3,imit do not not6.6when applyandapply the 6.9. w whenCardhen isyouyou issued, makemake and aa wwithdrawal youithdra wiwalll be advised of (c)(d) TransactionYVouchersTheYouou transactionwiwillll be and adadvised limitsvi Receipts sedlimits ofon ontthe heCards Cards mmaximumaxi mumare set cashcash out wwithdrawal inithdrawa sectionsl llimit6.3,imit 6.6 whenwhen and thethe 6.9. CardCard isis issued,issued, andand youyou wwillill bebe advisedadvised ooff Yovera Theouny maximumtransactionsubsequent withell beccounterounter advi cash sedlimitsc iinhan ofnawithdrawal gesbr branch.onthea nch wCards me axi.ma mum karelimitse t oset cashthat in out those wl iinmitithdrawa sections .sections l l6.3,imit do not6.6when andapply the 6.9. whenCard isyou issued, make and a withdrawal you will be advised of (d) aY VouchersTheYouanynyou maximumssubsequentwiwillubseqll be and uadadvisedentvi cashReceipts sedcchangeshanges ofwithdrawal tthehe wwe mmaximume aximmakeakemum limits to cashcash thatin those wllimit.withdrawalimitithdrawa .sections l llimitimit do not whenwhen apply thethe when CardCard isisyou issued,issued, make andand a withdrawal youyou wwillill bebe advisedadvised ooff aW Thenyhen maximumtransactionsu bseqyou useuent ycash ourlimitschanges Cwithdrawala onrd, wCardsthee m Mercake arelimits toha set ntthat in out or those l financimitin sections .sections ial inst 6.3, idotution not6.6 andapplyor any 6.9. when other you part makey you aare withdrawal using the Card with, (d) aY VouchersoverYounyou s wiwilltheubseqll becounter and uadadvisedentv isedReceipts c inhanges ofaof branch. tthehe w maxmaximume makeimum to cashthat wlwithdrawalimitithdrawa. l llimitimit wwhenhen thethe CardCard isis issuedissued,, andand youyou wwillill bebe advisedadvised ooff Wi overTheanys henobl maximumsubsequent theiged you counter t useo gi vycash eourchanges inyou aCwithdrawal abranch.ard, vou wethecher make Merc limitsor hatorece nt thatini ptor those limit.numbefinanc sections ir.al inst idotution not applyor any when other you part makey you aare withdrawal using the Card with, (d) VouchersaanyTheny maximumsubsequent and cashReceipts cchangesha nwithdrawalges wwee mamake klimitse ttoo thatin those llimit.imit .sections do not apply when you make a withdrawal (d) VouchersWiYouovers henobl willtheiged you becounter t anduseo advised gi vyReceiptseour inyou ofaC abranch.a rd,the vou t hemaximumcher Merc or harece ntcashi ptor withdrawalnumbefinancir.al inst limititution when or anthey Cardother is par issued,ty you and are you using will the be Card advised with of, (d) VouchersYou must checand kReceipts that the correct amount is entered in an EFTPOS terminal or written in the “total” box on Wheni Youanyovers obl subsequent willthei gedyou becounter tuseo advised gi vyour echanges inyou ofaCard, branch.a the vou we themaximumcher make Merchant or torece cashthatipt or limit.withdrawalnumbe financial r. institution limit when or the any Card other is issued, party youand areyou using will be the advised Card of (d) W VouchersanyYouhen subsequentwill you be anduse advised yReceipts ourchanges ofCa rdrd,the , wethet hemaximum make MerchMerc hatoa ntcashthat or limit.withdrawalfinancfinancial ial iinstitutionnst limititution when or anyanthey Cardother is part issued,y you and are you using will the be Card advised with of, WYa anyWhenou voucherhen subsequentmust you chec beforeuse kyyour ourchangest hyouat CCard, theaarduthor , c wethetheorre ismake MerchMerchantec tt heamount to taransact ntthat or i s limit. financialenteredion. You i institutioninstitutionnmust an EFTPOS also checkoror termananyy t otherhatiothernal theor partparty wr amountitty youenyou in areonare the any usingusing “total” re cthetheeipt box CardCard receive on wwith, ithd, (d) with, VouchersiYanyYousou obl subsequentmustwill iisged obliged be chectando advised gi kv Receipts etochangest hyou atgive of thea the vouyou cwe orremaximumcher amake receipt.ct oramount torece cashthatipt i slimit.withdrawalnumbe entered r. in anlimit EF TwhenPOS terminalthe Card or is wissued,ritten andin the you “total” will be box advised on of iWa Wheniss voucherhenobcorrectobligedliged you. to beforeuse ggivei veyyourour youyou CCard, a aarduthor vovoucher, thetheucisher MerchMerchante t orhe rereceipttaransactceint ptor numbenumber.financialion. Your. institutioninstitutionmust also checkoror ananyy t otherhatother the partparty amounty youyou areonare any usingusing re cthetheeipt CardCard receive wwith,ithd, (d) Vouchersiaanys voucherob subsequentliged tobeforeand gi veReceipts changes you author vo weuc ishermakee torhe to retransact ceithatpt limit.numbeion. Your. must also check that the amount on any receipt received (d) VouchersYiWWhenissou uoY henobcorrectobliged mustliged you sum t . checto anduse ggivei kveykcehc yourReceipts our t hyouateht CCard, the aa oc rd, r vovoucher r cttheucorre ce he t her MercMerchantct oramount harereceipt tnuoma ceint i s ptor is numbefinanc number.tne financialentered e r de i r.aln iiinstitutionnnstna an i FE tution EFTPOSSOPT oror t e termanyany imr otheriother an nal l eb or f partparty o wr r e itt y youenyouuoy in areare the using ohtua using r “total” i s e thetheeht box Card t Card r o sna n w with, ca ith t i , no . (d) VouchersYYouou magreemustust checheckthaandct ktReceipts htthathate amount thethe correcorrect shoctwn amountamount on any isis sales enteredentered vouche inin ananr, cash EFEFTPOSTPOS withdrawa termterminalinall re ororc eiptwrittenwritten voucher iinn thethe or “total”“total” transaction boxbox oon nrecor d WhenYouaYi iss ou voucheroblcorrectobliged mustmi gedusyout. alsochetto beforeuseo gigivec kvcheckyour et hatyouyou Card, thethat aauthor vouvoucher corre thethecheris e ctamountMerchant t orheoramount recereceipttransact onipt isor anynumbe number.enteredi onfinancial receipt. Your. in must aninstitutionreceived EF alTsPOSo check is term correct.or anythatinal other theor written amount party i nyouon the any are “total” re usingceipt box thereceive on Card d (d) VouchersaYiWhens ou vsufficienoucher magree usyout che beforethaandtuse evct i kyourdentReceipts ht hatyoue ca eCard,mount theofau thorithe corre the shocas Merchantectsh wnt he amountprice on transact any of or isthe sales financialenteredion. goods voucheYou in orinstitutionmust anservir, cashEF alsocesTPOS w coriheckthdrawa termtheany that amountiothernall retheor cparty eiptwritten amountof thevoucher you win onareithdrawa the any orusing “total” transaction re lc theeiptto box whichCard receive o nrecor with, thad td aWhenYou vvoucheroucher must you check beforeuse your that you Card, theauauthorisethori correctthes Merchante tthe heamount ttransaction.ransact or is financial enteredion. 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YYouou orinstitutionmust servi alsoalsoces ccheckorheck theany that that amountother thethe party amountamountof the you w onareithdrawaon any anyusing rereceipt lc theeiptto whichCard receivereceived with, thad t evidencei iss sufficienobliged of tot theev giveiden cash youce priceofa voucherthe of ca thesh or price goods receipt of or the number. services goods oror servithe amountces or the of amoun the withdrawalt of the w ithdrawato whichl tothat which that YouYaivoucher isYouWhensou vouchercorreobligedcorrect. agreemust youct. or check tobeforetha usetr agivetns yourt hacthat the youeyou tia Card,on mount correct the aauthorisea uthor revoucher ccorrecttheord shois amount Merchantere wnt thel orheatesamount on receiptttransaction.ransact. isany orentered is salesnumber.financial enteredion. voucheY Youinou anin institutionmust anrEFTPOS, cash EFTPOS alalsoso w checkcheckorterminalithdrawa terminalany tthat hatother lbefore rethe theor cparty eipt written amountamount you voucher you authorisein onareon the any anyorusing “total” transaction rereceipt the ctheeipt box transaction.Card receivereceived on recor with, d d transactionYvoucher Youou ashoumustagreegree orl d checktthat trhatkeeprecordans the acthatall ti relates.amoun amountvoucheron the re ccorrecttord shoshowns an rewndl atesamount t ransactiononon. ananyy is salessales entered re cvouchevoucher,ords in given anr, cash cashEFTPOS to wwithdrawalyouithdrawa terminal by Merchantsl receipt receiptor written andvouchervoucher financin the oror i“total” al transactiontransaction institutions, box on recorrecord or d YouiY Youisasou vouchersufficiencorrectcorrect.obliged amustgree. alsochecktobeforetthat ev give i checkdenthe that youyou camoune the ofthatauthorisea voucherthe correct tthe shoca shamount wn the or amountprice on receipttransaction. an of ony isthe sales number. anyentered goods receiptvoucheYou in ormust anservir ,received cash EFTPOS alsoces w checkorithdrawa is terminalthe correct. thatamountl receipt theor written ofamount thevoucher win ithdrawaon the anyor “total” transaction receiptl to boxwhich received on recor tha td iY aYouisssuedsou vouchersufficsufficient ashoumustagreegree byient l dAT checkbeforetthat hat keepMsevidence ,the tothat allyou heamoun amountvoucher thelofauthorisep youthe correctt shoshownsccash ashheckan wnthed amount prpricet sransactiononon itatransaction.ce tementsanany ofy isthe the salessales entered goods.goodsre cvouchevoucher,Youords in orormust given anservirservices, cash cashEFTPOS also cteso wwithdrawal you checkororithdrawa terminalthe theby that Merchantsamountamountl receipt receipttheor written amountofof the andvoucherthevoucher wwithdrawalfinancin ithdrawaon the anyoror i“total” al transactiontransaction receiptinstitutions,l toto box whichwhich received on recorrecord tha thator td YouvoucheriY aissou vouchersufficcorrect. shouldshoui entorld before tr keepevidenceans ac allyouti voucherontransaction ofauthorise re thecord sc ashan re the dlrecordsates prtransaction itransaction.ce. of given the goodsre to cYouords you ormust given byservi Merchants also ctoes ycheckorou the by and thatMeramount financial cthehants amountof theand institutions, wfinanc ithdrawaon anyial receiptinstitutions, lor to issuedwhich received bytha or t YouivoucherY isYouassuedsou vouchersufficcorrect.sufficient agreemust byi entor AT checkbeforethathat ttransaction ransaMsevidencet ,tthe thehtothat ectyou he aamountionamountmount thelofauthorisep rerecord youthe ccorrectord shoshown ccashshownashheck rerelates. wnthela amountprpricetes sonon ita transaction.ceon. tementsanyany ofany isthe the salessales enteredcash goods.goods vouchevoucher,You withdrawal in orormust anservirservices, cash cashEFTPOS alsoces wreceiptwithdrawal checkororithdrawa terminalthethe that amountoramount ltransaction re receipttheorc eiptwritten amountofof the voucherthevoucher wwithdrawalinrecord ithdrawaon the anyoror “total” transactionistransaction receipt sufficientl toto box whichwhich received on recorrecord tha thattd ATMS,ivoucher isssued correct. toby or helpAT transaMs you, toct checkheionlp re you cstatements.ord check relates sta.tements . evidenceYivoucher isYouasou vouchersufficiensufficientcorrect. shouagree or lofd beforethat t ttransaction keepransaevevidencethei denthe cash allyouct c amountionevoucher ofauthoriseprice rerecord thecord ofsshowncacash an rerelates.shthe thedla pricettes ransactiongoodson transaction.. any ofof theorthe sales services goodsregoods cvoucher,Youords orormust orgiven serviservices thecash also cest oamount withdrawal you checkoror the theby that ofMerchantsamountamount the receiptthe withdrawal amountofof theand thevoucher wwithdrawalfinanc ithdrawaon to anyor iwhichal transaction receiptinstitutions,l toto that whichwhich received record tha thator t (e) TheYYouou sagreeshouldCardhould remainsthat keep the aallll amountourvvouchersou cpropertyhers shown aandnd trtransaction onansact any isaleson rerecords cvoucher,ords given cash to withdrawalyyouou byby MerchantsMerchants receipt and andvoucher financfinancial orial transaction institutions,institutions, record oorr transactioniYvoucher Youisssuedou correct. sagreehould by or AT that trtransaction keeprecordMsans ,the actoall ti he amountrelates.vonoulp rerecord cyouherscord shownc hecka rerelates.ndlates tr sonatansact. tementsany isaleson .re cvoucher,ords given cash to withdrawalyou by Merchants receipt and voucher financ orial transaction institutions, record or (e) TheiYisssuedou sufficient sCardhould by Aremains TMs keepevidence, toall help ourvou of c youpropertythehers ccash heancd k pricetr staansacttements of theion .goodsrecords or given services to y orou theby Merchantsamount of andthe withdrawalfinancial institutions, to which thator Ti isYouissuedssuedhe sufficient Cagreeshoulda rdbbyy reAATMs, that TMsm keepevidenceains ,the toall our help amountvouchers ofproper youyouthe shownctcashcheck yheand acn k dpricetransaction ststatements.onyoua tementsany ofagree the sales to.goodsrecords voucher,return or given servicesthe cash Card to withdrawalyou or to the byus Merchantsonamount its receipt cance of theandvoucherllation withdrawalfinancial or or at transaction ourinstitutions, to request which record. that or (e) You TheYivoucherYoussuedou shoushouldagreeCard b yorl dA remainsthat TMstransactionkeep ,the to allall help amountourvoucher voucherstransaction recordyouproperty shownsc heanand relates.cd krecords ttransaction ransactionstona tementsany given sales .rerecords ctovoucher,ords you given by cash Merchants ttoo withdrawalyouyou byby MerchantsMerchantsand receipt financial andandvoucher institutions, financfinancial orial transaction institutions,institutions, or issued record o orbyr T voucherisissuedhe sufficient Ca rdby or reATMs, mtransaction evidenceains to our help ofproper record youthe tcashchecky relates.an dprice statements.you ofagree the togoods return or servicesthe Card or to the us onamount its cance of thellation withdrawal or at our to request which. that (e) ATMS,iT TheissuedvoucherYouisssuedhe sufficient CardshouldCard toby or rema helpATATMs,remains transaction keepMsevidence iyouns, toall our hehelp checkourvouchers lofproperp record propertyyouthe statements. ctycashcheck heckand relates.and pricetransaction s statements.youtatements ofagree the to.goodsrecords return or given servicesthe Card to you or to the byus Merchantsonamount its cancel of theandlation withdrawalfinancial or at ourinstitutions, to request which. that or (e) TheYou shouldCard remains keep all ourvouchers property and transaction records given to you by Merchants and financial institutions, or (e) TheYouissuedvoucher shouldCard by or ATMs,remains transactionkeep toall help ourvouchers record propertyyou check and relates. transaction statements. records given to you by Merchants and financial institutions, or37. (e) TheTissuedYouhe CCardshouldCarda rdby rerema ATMs,remains mkeepainsins toall our help ourvouchers proper propertyyou ttycheck yand aandn dtransaction statements.yyouou agree torecords return given the Card to you ttoo byus Merchantson its ccancelance andllationlation financial or at ourinstitutions, request. or T issuedThehe Card by remaremainsATMs,ins to our help properproperty you tycheck andand statements.youyou agreeagree toto returnreturn thethe CardCard toto usus onon itsits cancelcancellationlation oror atat ourour requestrequest.. 37. (e) TheissuedYou shouldCard by ATMs,remains keep toall help ourvouchers propertyyou check and transaction statements. records given to you by Merchants and financial institutions, or37. T Thehe Card remaremainsins our properpropertyty andand youyou agreeagree toto returnreturn thethe CardCard toto usus onon itsits cancelcancellationlation oror atat ourour requestrequest.. (e) Theissued Card by ATMs,remains to helpour propertyyou check statements. 27588 BOQ G611 Save (e) T Thetohe Win CCardCarda rdAcct reremains remainsm Finains Svcs our our Guide.inddproperproperty propertyty aandn d 39 yyouou agree toto returnreturn thethe CardCard ttoo usus onon itsits ccancellationancellation oror atat ourour requestrequest.. 37.17/10/11 9:03 AM (e) The Card remains our property 37.37. 27588 BOQ G611 Save Theto Win Card Acct remains Fin Svcs our Guide.inddproperty and 39 you agree to return the Card to us on its cancellation or at our request. 17/10/11 9:03 AM (e) The CardCard remains remains our our property property and you agree to return the Card to us on its cancellation or at our request. 37.37. 27588 BOQ G611 Save (e) Theto Win CardCard Acct remains remains Fin Svcs our our Guide.inddproperty property and 39 you agree to return the Card to us on its cancellation or at our request. 17/10/11 9:03 AM The Card remains our property and you agree to return the Card to us on its cancellation or at our request. 37.37. 27588 BOQ G611 Save Theto Win Card Acct remains Fin Svcs our Guide.inddproperty and 39 you agree to return the Card to us on its cancellation or at our request. 3717/10/11. 9:03 AM 37. 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 3939 17/10/113/9/19 5:519:03 pmAM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 39 3717/10/11. 9:03 AM 37. 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 39 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 39 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 39 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 39 17/10/11 9:03 AM (f) Card cancellation We can cancel your Card and suspend the operation of an Account for any reason at any time, without notifying you beforehand if (among other things): (f) Card cancellation We can cancel your Card and suspend the operation of an Account for any reason at any time, without Oncenotifying you youare notbeforehified aofnd th ife (a canmongcellat otherion, youthings must): not use any cancelled Card..Y You must destroy your Card by cutting it diagonally i n half and returning it to us immediatelly.y. YoYouu can ccoontantacctt usus toto ccancel youyourr CCaarrdd oror anyany additadditiioonanall CCarardd aatt anyany timetime byby callcalliinngg 13001300 5555 7272 7272 oorr 61 7 3336 2200 if ifyou you are are te telephonlephonining gfro fromm outside outside of of Austral Australiaia or or b yb ydestroying destroying the the Card Card by by cut cuttingting it it Once you are notified of the cancellation, you must not use any cancelled Card. You must destroy your Card by diagonally in half and returning the Card to us. A cancellation might not be effective until the Card has been cutting it diagonally in half and returning it to us immediately. returned to us. You can contact us to cancel your Card or any additional Card at any time by calling 1300 55 72 72 or If the Card has beennc cancelled or the Account closed, you will remain liable for transactions made using the 61 7 3336 2200 if you are telephoning from outside of Australia or by destroying the Card by cutting it Card prior to or after its cancellation or closure of the Account. Except that you will not be liable for the diagonally in half and returning the Card to us. A cancellation might not be effective until the Card has been continuing use of an additional card from the later of: returned to us. (g) Card re-issue (i)If the Card the has date been you ca requestncelled orus t tohe cancelAccount the closed additional, you wi Card;ll remain and liable for transactions made using the (ii)WCarde c anpri orissue when to ora youneafwter haveCard itsc takenanceto youlla all atiton reasonable any or tclosureime. Al steps lof re the-issued to A haveccount Cards the. are additional subject toCard these returned terms andto us. conditions. We reserve the right not to re-issue a Card. Fees may apply to the re-issue of Cards – see Chapter 5. (g) Card re-issue 7.3 Some rules about Electronic Access Methods We can issue a new Card to you at any time. All re-issued Cards are subject to these terms and conditions. We reserve the right not to re-issue a Card. Fees may apply to the re-issue of Cards – see Chapter 5. (a) When these rules apply 7.3 SomeT heserules ru aboutles appl Electronicy when you Access or a Re Methodslated Account User uses a Card, Identifier or Code to access your Account. Examples of Electronic Access Methods are using a Card and PIN at ATMs, EFTPOS terminals, Bank@Post offices and branch teller terminals. (a) When these rules apply These rules apply when you or a Related Account User uses a Card, Identifier or Code to access your Account. (b) Access to your Nominated Accounts Examples of Electronic Access Methods are using a Card and PIN at ATMs, EFTPOS terminals and branch teUnlessller termi you naor lsa. Related Account User has notified us that:
(b) Access tow youre are Nominatedentitled to a lAccountslow operations on your Nominated Accounts where your Card is used and the Unless you or a Related Account User has notified us that:
of one of your Codes has been breached, you agree that we are entitled to allow operations on your we are entitled to allow operations on your Nominated Accounts where your Card is used and the Nominated Accounts where the correct Identifiers and Codes have been provided. You,the account holder, acknowledge and accept that we cannot verify by way of signature comparison whether the person accessing your Nominated Accounts using the Card or Codes is you of one of your Codes has been breached, you agree that we are entitled to allow operations on your or a Related Account User. Nominated Accounts where the correct Identifiers and Codes have been provided. You, the account holder, acknowledge and accept that we cannot verify by way of signature (c) Nominating Accounts for Electronic Transactions comparison whether the person accessing your Nominated Accounts using the Card or Codes is you or a ReYoulat,ed the A ccountaccoun tUse hor.lder, must specify Nominated Accounts at the time you apply for the Electronic Access Method.You can nominate different accounts for different Electronic Access Methods but you must nominate at least one account for each access method. (c) Nominating Accounts for Electronic Transactions You, the account holder, can make a written application to us to alter the Nominated Accounts at any time. You, the account holder, must specify Nominated Accounts at the time you apply for the Electronic Access The alteration will be effective on our approval of the request. We will provide written confirmation to you Method.You can nominate different accounts for different Electronic Access Methods but you must nominate when any alteration is made to the Nominated Accounts. at least one account for each access method. If you notify us in writing of deletion of an account from your list of Nominated Accounts, we will no longer You, the account holder, can make a written application to us to alter the Nominated Accounts at any time. be entitled to debit or credit that Nominated Account using an Electronic Access Method. The alteration will be effective on our approval of the request. We will provide written confirmation to you wYouhen can any on allyterat performion is tr madeansacti toons the o Nomn ani natedaccount Accounts that has. been nominated for access using the particular Electronic Access Method. Transfers cannot be made from Bonus Interest Savings Accounts or Premier If you notify us in writing of deletion of an account from your list of Nominated Accounts, we will no longer Investment Accounts. be entitled to debit or credit that Nominated Account using an Electronic Access Method. You can only perform transactions on an account that has been nominated for access using the particular (d) Fees and charges Electronic Access Method. Transfers cannot be made from Bonus Interest Savings Accounts or Premier InFeesves andtment ch aArgesccount fors. conduct ing transactions using Electronic Access Methods are contained in Chapter 5.
(d) Fees and charges 38. Fees and charges for conducting transactions using Electronic Access Methods are contained in Chapter 5.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 4040 17/10/113/9/19 5:519:03 pmAM 38. You can only perform transactions on an account that has been nominated for access using the particular Electronic Access Method. Transfers cannot be made from Bonus Interest Savings Accounts or Premier Investment Accounts.
(d) Fees and charges You, the account holder, agree to pay all fees, government charges, taxes and duties that can be imposed in FeesYou, theand achccounargest hoforl deconductr, agreeing to t paransacty all feesions, usgovernmenting Electronic charge Accesss, taxe Methodss and dut areies contained that can inbe Chapterimposed 5 i.n Yrespecou, thet of a cycounour uset ho oflde tr,he agree Elect troo nipacy Acc all essfees Method, government. charges, taxes and duties that can be imposed in Yrespecou, thet of a cycounour uset ho oflde tr,he agree Elect troo nipacy Acc all essfees Method, government. charges, taxes and duties that can be imposed in Yrespecou, thet of a cycounour uset ho oflde tr,he agree Elect troo nipacy Acc all essfees Method, government. charges, taxes and duties that can be imposed in respecWe willt ofdeb yourit all use fees of a tndhe cElhargesectroni forc Acc all essElectroni Methodc A. ccess Methods to the account from which the transfer 38.is Wrespece willt ofdeb yourit all use fees of a tndhe cElhargesectroni forc Acc all essElectroni Methodc A. ccess Methods to the account from which the transfer is Wmadee wi. llThe deb feesit all are fees charged and charges to you rfor ac aclountl Electroni at thec endAccess of each Met hodmonths to. the account from which the transfer is Wmadee wi. llThe deb feesit all are fees charged and charges to you rfor ac aclountl Electroni at thec endAccess of each Met hodmonths to. the account from which the transfer is Wmadee wi. llThe deb feesit all are fees charged and charges to you rfor ac aclountl Electroni at thec endAccess of each Methods month to. the account from which the transfer is mYouade, the. The ac feescoun aret ho clhargedder, are to respon your saciblecount for anyat the telecommun end of eachicat monthion charges. and Internet service provider Ymouade, the. The ac feescoun aret ho clhargedder, are to respon your saciblecount for anyat the telecommunica end of each monthtion charges. and Internet service provider 27588 BOQ G611 Save Ychtoou aWinrges, the Acct toac counen Finabl Svcste ho youlde Guide.indd tor, areacc responessa n40 sElectronicible for any Ac telecommunicacess Method. tion charges and Internet service provider 17/10/11 9:03 AM Ychouarges, the toac counenablte ho youlde tor, areacc responessan sElectronicible for any Ac telecommunicacess Method. tion charges and Internet service provider Ychouarges, the toac counenablte ho youlde tor, areacc responessan sElectronicible for any Ac telecommuncess Methodi.cation charges and Internet service provider charges to enable you to accessas an Electronic Access Method. (e) Availability of the Electronic Access Method (e) Availability of the Electronic Access Method (e) Availability of the Electronic Access Method (e) AvailabilityWe will use reaso of thenable Electronic effortst oAccess ensure Methodthat you can access your Accounts using ATMs, EasyPhone Banking (e) AvailabilityWe will use reaso of thenable Electronic effortst oAccess ensure Methodthat you can access your Accounts using ATMs, EasyPhone Banking Wande wiInllternet use reaso Bankningable 2 4heffortoursst ao densureay, other that than you dur caning access scheduled your Acmaintenancecounts usin andg ATMs, dow EasyPhonentime, which Bankin we wgill Wande wiInllternet use re Bankasoningabl 2e 4hefforoursts toa deay,nsure other that than you dur caning access scheduled your Acmaintenancecounts usin andg AT Msdowntime, and Internet which we will Waaimnde wiIntollt conducernet use re Bankat sonouitngablside 2e4h efforof oursnormats toa ld ebusay,nsure otheriness that hoursthan you .dur caning access scheduled your Acmaintenancecounts usin andg AT Msdowntime,, EasyPhone which Bankin we wgill Bankaim toing conduc 24 hourst ou atside day, of other norma thanl bus durinessing scheduledhours. maintenance and downtime, which we will aim to aaimWnde wiIntollt conducernet mainta Btank inou eingtlsideectron 24 of hours inormac bank a ldai ngbusy, a othericcessness hours thanto your .dur Aingccounts scheduled unless main: tenance and downtime, which we will conductWe will maoutsintaidein of e lnorectronmali cbusiness banking hours access. to your Accounts unless: aimWe witoll conduct mainta inouts electronide of inorc bankmali ngbusiness access hours to your. Accounts unless: We will maintain electronic banking access to your Accounts unless:
We can, at any time, change: We can, at any time, change: We can, at any time, change: We can, at any time, change:
If due to a service fault or difficulty with BOQ ATMs. Internet Banking or EasyPhone Banking,you do not If due to a service fault or difficulty with BOQ ATMs. Internet Banking or EasyPhone Banking,you do not Ifre ceidueve to confir a sermviatcei onfau thalt ort thediffi sercultyvice w hasith BOQrecei vedATMs your. Internet instructions Banking, you or musEasyPhonetnotify Bankingus immediately,you do betnotween Ifre ceidueve to confir a sermviatcei onfau thalt ort thediffi sercultyvice w hasith BOQrecei vedATMs your or Internetinstruction Banks, youing, muyous tdo not noifyt reuscei immediatelyve confirmat betionw ee n Ifre7.0 ceidue0amve to confirand a ser 7m.vi00pmatcei onfau AEthalt STort the7d idffi aysercultys viperce w weehasith kBOQrece by i telephoningvedATMs your. Internet instruction 1300 Bank 55si ,ng72 you or72 muEasyPhone ors 6t 1not 7 i3336fy Banus 2200ikmmediatelying,y ifou you do are betno caltweelinng tha7.00amt the andservi 7ce.00pm has receAESTived 7 d yourays per instructions week by telephoning, you must n otif1300y us 55 immediately 72 72 or 61 bet7 3336ween 2200 7.00am if you and are calling re7fro.0ceim0am veou confirtandside 7 Ausm.00pmattralia.ion AEthaSTt the7 d aysers viperce weehas krece by itelephoningved your instructions 1300 55 ,72 you 72 mus or 6tn1 otif7 3336y us 2200immediately if you are bet calweelinng 7.0from0pm ou tAEsideST Aus7 daytralia.s per week by telephoning 1300 55 72 72 or if you are calling from 7fro.0m0am ou tandside 7 Aus.00pmtralia. AEST 7 days per week by telephoning 1300 55 72 72 or 61 7 3336 2200 if you are calling frooutmside ou tAussidetralia. Australia. (f) Warranties (f) Warranties (f) Warranties (f) WarrantiesWe do not warrant: (f)W Warrantiese do not warrant: We do not warrant: We do not wwarrarraant:nt:
(g) Protecting your Electronic Access Methods (g) Protecting your Electronic Access Methods (g) Protecting your Electronic Access Methods (g)T Protectinghe security yourof a CElectronicard, PIN,P erAccesssonal Ac Methodscess Code and Value Authorisation Code is important as anyone who (g)T Protectinghe security yourof a CElectronicard, PIN,Per Accesssonal Ac Methodscess Code and Value Authorisation Code is important as anyone who Thahes tsecurityhemmay of bea Card able, tPINo m, akePersona transactl Accessions Codeon your and A Vccoualuent. Au Ytouhor mustisation make Code every is im effortportan tot aensures anyone that wh youo r Thahes tsecurityhemmay of bea Card able, tPINo m,Pakeersona transactlAccessions Codeon your and A Vccounalue tAu. Ytouhor mustisation make Code every is im effortportan tot aensures anyone that wh youo r ThaCardhes tsecurity heandm Codesma ofy bea a C reablea rdno, ttoPIN m misu,Pakersedeso t,ran nalostlsac Ac ortionsc esssto l Codeenon. your and A Vccount.alue Authori You musatsiton make Code every is importa effort ntot asensure anyone tha wht youo r haCards t heandm Codesmay be a reable no tto m misuaksede t,ran lostsac ortions stol enon. your Account. You must make every effort to ensure that your haCards t heandmm Codesay be are abl neot t omi msused,ake tr alosnsactt ori onsstol enon. your Account. You must make every effort to ensure that your Card and Codes aarere nonott mmiisusused,sed, lostlost or stolen. 7.4 Protecting your Card, PIN and other Codes 7.4 Protecting your Card, PIN and other Codes 7.4 Protecting your Card, PIN and other Codes 7.4 Protecting your Card, PIN and other Codes (a) Protecting Card and PIN (a) Protecting Card and PIN (a) Protecting Card and PIN (a)T Protectingo protect the Card Card and you PIN must: (a)T Protectingo protect the Card Card and you PIN must: To protect the Card you must: To protect the Card youyou mustmust::
39. 39. 39. 39. 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 4141 17/10/113/9/19 5:519:03 pmAM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 41 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 41 17/10/11 9:03 AM When you select a PIN we suggest that you select a PIN that can be remembered without needing to record it.When You youmust select avoid a usingPIN we any suggest number that that you could select be alinked PIN that to you can by be other remembered persons withoutsuch as yourneeding date to of record birth or When you select a PIN we suggest that you select a PIN that can be remembered without needing to record Whenanyit. You alphabetical youmust select avoid codea usingPIN which we any suggest numberis a recognisable that that you could select part be aoflinked PIN your that to name. you can by Bybe other selectingremembered persons a PIN withoutsuch which as canyourneeding be date linked to of record birthto your or date it. You must avoid using any number that could be linked to you by other persons such as your date of birth or it.anyof Youbirth alphabetical must or alphabetical avoid code using which code any thisnumberis a canrecognisable makethat could it easier part be foroflinked your other to name. peopleyou by toother guess persons the code such and as leadyour to date fraudulent of birth activityor anyWhen alphabetical you select codea PIN, which you should is a recognisable test it to ensure part of that your it hasname. been successfully established. Whenanyon your alphabetical you account. select codeaYou PIN, will which you be should liableis a recognisable for test any it tolosses ensure part if it of thatcan your beit hasname.proved been you successfully used a code established. with these characteristics. WhenTo protect you yourselect PIN, a PIN, you you should: should test it to ensure that it has been successfully established. ToWhen protect you yourselect PIN, a PIN, you you should: should test it to ensure that it has been successfully established. To s protect TRY TO MEMORISE IT your PIN, you should: s To protect TRY TO MEMORISE IT your PIN, you should: s TRY TO MEMORISE ITDESTROY ANY LETTER FROM US TELLING YOU THE 0). s DESTROY ANY LETTER FROM US TELLING YOU THE 0).TRY TO MEMORISE IT s DESTROY ANY LETTER FROM US TELLING YOU THE 0).MAKE SURE THAT NOBODY WATCHES YOU ENTERING YOUR 0). AT A TERMINAL s MAKE SURE THAT NOBODY WATCHES YOU ENTERING YOUR 0). AT A TERMINALDESTROY ANY LETTER FROM US TELLING YOU THE 0). s MAKE SURE THAT NOBODY WATCHES YOU ENTERING YOUR 0). AT A TERMINALBE READY TO MAKE A TRANSACTION WHEN YOU APPROACH A TERMINAL s BE READY TO MAKE A TRANSACTION WHEN YOU APPROACH A TERMINALMAKE SURE THAT NOBODY WATCHES YOU ENTERING YOUR 0). AT A TERMINAL s MAKE SURE THAT YOU DO NOT LEAVE ANYTHING BEHIND WHEN YOU COMPLETE A TRANSACTIONBE READY TO MAKE A TRANSACTION WHEN YOU APPROACH A TERMINAL s MAKE SURE THAT YOU DO NOT LEAVE ANYTHING BEHIND WHEN YOU COMPLETE A TRANSACTIONBE READY TO MAKE A TRANSACTION WHEN YOU APPROACH A TERMINAL You s must MAKE SURE THAT YOU DO NOT LEAVE ANYTHING BEHIND WHEN YOU COMPLETE A TRANSACTIONtake special care if you decide to record a memory aid for a PIN. Any record of a PIN must be kept s MAKE SURE THAT YOU DO NOT LEAVE ANYTHING BEHIND WHEN YOU COMPLETE A TRANSACTION separateYou must from take thespecial Card care unless if you it is decide well disguised. to record a memory aid for a PIN. Any record of a PIN must be kept You must take special care if you decide to record a memory aid for a PIN. Any record of a PIN must be kept separateYou must from take thespecial Card care unless if you it is decide well disguised. to record a memory aid for a PIN. Any record of a PIN must be kept separateFor example, from you the must Card notunless keep it theis well Card disguised. and undisguised PIN together: Forseparate example, from you the must Card notunless keep it theis well Card disguised. and undisguised PIN together: For s example, IN A WALLET BAG OR BRIEFCASE EVEN IF IN DIFFERENT COMPARTMENTS you must not keep the Card and undisguised PIN together: s For example, IN A WALLET BAG OR BRIEFCASE EVEN IF IN DIFFERENT COMPARTMENTS you must not keep the Card and undisguised PIN together: s IN A WALLET BAG OR BRIEFCASE EVEN IF IN DIFFERENT COMPARTMENTSIN A CAR EVEN IF IN DIFFERENT AREAS OF THE CAR s IN A CAR EVEN IF IN DIFFERENT AREAS OF THE CARIN A WALLET BAG OR BRIEFCASE EVEN IF IN DIFFERENT COMPARTMENTS s IN A CAR EVEN IF IN DIFFERENT AREAS OF THE CARIN AN OFlCE OR AT HOME IN THE SAME ROOM s IN AN OFlCE OR AT HOME IN THE SAME ROOMIN A CAR EVEN IF IN DIFFERENT AREAS OF THE CAR s IN AN OFlCE OR AT HOME IN THE SAME ROOMIN ANY OTHER SITUATION WHERE THE #ARD AND 0). CAN BE FOUND TOGETHER AND USED s IN ANY OTHER SITUATION WHERE THE #ARD AND 0). CAN BE FOUND TOGETHER AND USEDIN AN OFlCE OR AT HOME IN THE SAME ROOM You s must IN ANY OTHER SITUATION WHERE THE #ARD AND 0). CAN BE FOUND TOGETHER AND USEDnot write or indicate the PIN on your Card, even if it is disguised. You s must IN ANY OTHER SITUATION WHERE THE #ARD AND 0). CAN BE FOUND TOGETHER AND USEDnot write or indicate the PIN on your Card, even if it is disguised. YouAdditional must not Cardholders write or indicate the PIN on your Card, even if it is disguised. AdditionalYou must not Cardholders write or indicate the PIN on your Card, even if it is disguised. AdditionalEach Additional Cardholders Cardholder can also select their own PIN. You must ensure that each Additional Cardholder Additional Cardholders protectsEach Additional their Card Cardholder and stores can their also PIN select as safelytheir ownas this PIN. PDS You require must ensureyou to thatprotect each and Additional store yours. Cardholder Each Additional Cardholder can also select their own PIN. You must ensure that each Additional Cardholder protectsEach Additional their Card Cardholder and stores can their also PIN select as safelytheir ownas this PIN. PDS You require must ensureyou to thatprotect each and Additional store yours. Cardholder protects their Card and stores their PIN as safely as this PDS require you to protect and store yours. 7.5 What protects to do if their you Cardthink and that stores your their security PIN as has safely been as compromisedthis PDS require you to protect and store yours. 7.5 What to do if you think that your security has been compromised 7.5 What to do if you think that your security has been compromised 7.5 What(a) Tell to dous immediatelyif you think that your security has been compromised (a) Tell us immediately (a) TellYou mustus immediately immediately notify us if the Card or a record of your Code is lost or stolen or you suspect that (a) TellUnauthorisedYou mustus immediately immediately Transactions notify have us beenif the madeCard oron a your record Nominated of your Code Account. is lost or stolen or you suspect that You must immediately notify us if the Card or a record of your Code is lost or stolen or you suspect that YouUnauthorised must immediately Transactions notify have us ifbeen the madeCard oron a your record Nominated of your Code Account. is lost or stolen or you suspect that UnauthorisedThe best way toTransactions make a report have is been to call made us on on 1300 your 55Nominated 72 72 within Account. Australia or 61 7 3336 2200 if you are Unauthorised Transactions have been made on your Nominated Account. Thecalling best from way outside to make Australia a report (24 is to hours call usa day, on 13007 days 55 a 72week). 72 within Australia or if you The best way to make a report is to call us on 1300 55 72 72 within Australia or 6611 7 7 3336 3336 2200 2200 if if you you are are TheARE callingbest way from to makeoutside a reportAustralia is to (24 call hours us on a 1300day, 7 55 days 72 a72 week). within Australia or 61 7 3336 2200 if you are callingAlternatively, from outside or if our Australia telephone (24 reporting hours a day,service 7 days is unavailable, a week). you should report the loss, theft or misuse to calling from outside Australia (24 hours a day, 7 days a week). Alternatively,any branch. or if our telephone reporting service is unavailable, you should report the loss, theft or misuse to Alternatively, or if our telephone reporting service is unavailable, you should report the loss, theft or misuse to Alternatively,any branch. or if our telephone reporting service is unavailable, you should report the loss, theft or misuse to anyYou branch.will need to give us all relevant information so that we can suspend access to your accounts using any branch. Youthat willElectronic need to Access give us Method. all relevant You mustinformation confirm so in that writing we canany suspendnotice given access to tous yourby telephone, accounts whichusing will You will need to give us all relevant information so that we can suspend access to your accounts using Youthathelp willElectronicus to need effectively to Access give dealus Method. all with relevant theYou report. mustinformation confirm However, so in that awriting failure we canany to dosuspendnotice so will given access not to affect tous yourby your telephone, accounts liability which usingfor will that Electronic Access Method. You must confirm in writing any notice given to us by telephone, which will thathelpUnauthorised Electronicus to effectively Transactions. Access deal Method. with theYou report.must confirm However, in awriting failure any to donotice so will given not to affect us by your telephone, liability which for will help us to effectively deal with the report. However, a failure to do so will not affect your liability for helpUnauthorised us to effectively Transactions. deal with the report. However, a failure to do so will not affect your liability for UnauthorisedWe will give you Transactions. an acknowledgment (which may include a notification number) that you should retain Unauthorised Transactions. Weas evidence will give of you the an date acknowledgment and time of the (which report. may We include will be aliable notification for all losses number) that that result you from should Unauthorised retain We will give you an acknowledgment (which may include a notification number) that you should retain WeasTransactions evidence will give of youoccurring the an date acknowledgment after and timeyou tellof theus (which thatreport. the may We Electronic include will be aliableAccess notification for Method all losses number) has that been that result misused, you from should lost Unauthorised orretain stolen. as evidence of the date and time of the report. We will be liable for all losses that result from Unauthorised asTransactions evidence of occurring the date after and timeyou tellof theus thatreport. the We Electronic will be liableAccess for Method all losses has that been result misused, from lost Unauthorised or stolen. TransactionsIf you unreasonably occurring delay after in younotifying tell us us that of thethe misuse,Electronic loss Access or theft, Method you may has bebeen liable misused, for all lostof the or stolen.actual Transactions occurring after you tell us that the Electronic Access Method has been misused, lost or stolen. Iflosses you unreasonablythat occur between delay inwhen notifying you became us of the aware misuse, of (or loss should or theft, reasonably you may have be liable become for awareall of the of) actualthe If you unreasonably delay in notifying us of the misuse, loss or theft, you may be liable for all of the actual Iflossesmisuse, you unreasonablythat loss occur or theft between delayand when inwhen notifying you you actually became us of notifiedthe aware misuse, ofus. (or loss should or theft, reasonably you may have be liable become for awareall of the of) actualthe losses that occur between when you became aware of (or should reasonably have become aware of) the lossesmisuse, that loss occur or theft between and when when you you actually became notified aware ofus. (or should reasonably have become aware of) the misuse,If you are loss unable or theft to makeand when a report you toactually us because notified our us. facilities are unavailable, you are not liable for any misuse, loss or theft and when you actually notified us. IfUnauthorised you are unable Transaction to make thata report could to haveus because been avoided our facilities if you arewere unavailable, able to tell you us. areHowever, not liable you formust any tell us If you are unable to make a report to us because our facilities are unavailable, you are not liable for any IfUnauthorisedof youthe aremisuse, unable Transactionloss to or make theft thata within report could ato reasonable haveus because been timeavoided our afterfacilities if ouryou facilitiesarewere unavailable, able become to tell you us.available areHowever, not again. liable you formust any tell us Unauthorised Transaction that could have been avoided if you were able to tell us. However, you must tell us Unauthorisedof the misuse, Transactionloss or theft that within could a reasonable have been timeavoided after if ouryou facilitieswere able become to tell us.available However, again. you must tell us of the misuse, loss or theft within a reasonable time after our facilities become available again. (b) of Change the misuse, your Codesloss or theft within a reasonable time after our facilities become available again. (b) Change your Codes (b) ChangeIf you notify your us Codes of a breach of security of a Code you must not continue to use that Code and must change, or (b) ChangeIfarrange you notify foryour us us Codesto of change, a breach that of securityCode as ofsoon a Code as possible you must to preventnot continue possible to useloss thatof funds. Code Youand canmust do change, this by: or If you notify us of a breach of security of a Code you must not continue to use that Code and must change, or Ifarrange you notify for us us to of change, a breach that of securityCode as ofsoon a Code as possible you must to preventnot continue possible to useloss thatof funds. Code Youand canmust do change, this by: or arrange s for SELECTING A NEW 0). AT ANY BRANCH OR REQUESTING CANCELLATION OF YOUR #ARD BY CALLING us to change, that Code as soon as possible to prevent possible loss of funds. You can do this by: arrange for us to change, that Code as soon as possible to prevent possible loss of funds. You can do this by: s orSELECTING A NEW 0). AT ANY BRANCH OR REQUESTING CANCELLATION OF 61 7 3336 2200 if ifyou you are are calling calling from from outside outside Australia Australia (24 (24 YOUR #ARD BY CALLING hours hours per per day, day, 7 days7 days per per week). week). If youIf you s SELECTING A NEW 0). AT ANY BRANCH OR REQUESTING CANCELLATION OF YOUR #ARD BY CALLING s SELECTING A NEW 0). AT ANY BRANCH OR REQUESTING CANCELLATION OF YOUR #ARD BY CALLING orrequest 61 7 3336cancellation 2200 if ofyou a Card,are calling you may from request outside a Australiareplacement (24 Cardhours and per establish day, 7 days a new per PINweek). by If you or 61 7 3336 2200 if you are calling from outside Australia (24 hours per day, 7 days per week). If you visitingor 61 7 3336any of 2200 our branches.if you are calling from outside Australia (24 hours per day, 7 days per week). If 40you. 40. If you report that a Card has been lost or stolen we will cancel the Card immediately. 40. 40. 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 42 17/10/11 9:03 AM 27588 BOQ G611 Save(c) Terminateto Win Acct yourFin Svcs access Guide.indd 42 17/10/11 9:03 AM 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 4242 17/10/113/9/19 5:519:03 pmAM 27588 BOQ G611 Save Weto Win can Acct terminate Fin Svcs your Guide.indd access to an42 Electronic Access Method or cancel a Code without notice if there has 17/10/11 9:03 AM been a misuse or suspected misuse of the Code or use of the Electronic Access Method in breach of these terms and conditions.
7.6 Your liability for authorised transactions You will be liable for losses resulting from transactions that are carried out by another person with your knowledge and consent.
7.7 Liability for Unauthorised Transactions
(a) When you are not liable You will not be liable for losses that you incur or suffer that: s ARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEES s RELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD EG A #ARD OR 0). s ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD OR #ODE s RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME .OMINATED !CCOUNT s RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR s RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSES
(b) When you have limited liability If a Code was required to perform the transaction and it is not clear whether you or a Related Account User contributed to the loss caused by an Unauthorised Transaction, the amount of your liability will be limited to the lesser of: s OR s THE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION OR s THE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES becoming known to someone else (excluding that portion of the loss incurred on any one day which exceeds the applicable daily transaction limit).
(c) When you are liable If we can prove that you or a Related Account User contributed to the loss arising from the Unauthorised Transaction: s THROUGH YOUR FRAUD s BY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIEND s BY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARD s BY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE THEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHER s BY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL code which is a recognisable part of your or their name, after we have asked you not to select such a #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO OR
41.
27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 43 17/10/11 9:03 AM request cancellation of a Card, you may request a replacement Card and establish a new PIN by request cancellation of a Card, you may request a replacement Card and establish a new PIN by visitingrequest anycancellation of our branches. of a Card, you may request a replacement Card and establish a new PIN by visitingrequest anycancellation of our branches. of a Card, you may request a replacement Card and establish a new PIN by If you report visiting that any a Card of our has branches. been lost or stolen we will cancel the Card immediately. visiting any of our branches. 27588WIN0075396 BOQ G611 BOQ Save G611 Ifto Save youWin reporttoAcct Win request Fin that PDS Svcs cancellationa FSG_A5.inddCard Guide.indd has been of a 17 17lostCard, or you stolen may we request will cancel a replacement the Card immediately.Card and establish a new PIN by 17/10/113/9/19 5:519:03 pmAM If you report request that cancellationa Card has been of a lostCard, or you stolen may we request will cancel a replacement the Card immediately.Card and establish a new PIN by If you report visitingrequest that any cancellationa Card of our has branches. been of a lostCard, or you stolen may we request will cancel a replacement the Card immediately.Card and establish a new PIN by (c) Terminate visiting your accessany of our branches. (c) TerminateIf you report visitingrequest your that accessany cancellationa Card of our has branches. been of a lostCard, or you stolen may we request will cancel a replacement the Card immediately.Card and establish a new PIN by (c) TerminateWe can terminate your access your access to an Electronic Access Method or cancel a Code without notice if there has (c) TerminateIf you report visiting your that accessany a Card of our has branches. been lost or stolen we will cancel the Card immediately. WeIf you can report terminate that ayour Card access has been to an lost Electronic or stolen Access we will Method cancel orthe cancel Card immediately.a Code without notice if there has Webeen can a misuse terminate or suspected your access misuse to an of Electronic the Code Access or use Methodof the Electronic or cancel Access a Code Method without in notice breach if ofthere these has (c) TerminateWeIfbeen you can a report misuse terminate your that or access suspected ayour Card access has misuse been to an lost of Electronic the or stolenCode Access orwe use will Methodof cancel the Electronic orthe cancel Card Access immediately.a Code Method without in notice breach if ofthere these has beenterms a and misuse conditions. or suspected misuse of the Code or use of the Electronic Access Method in breach of these (c) Terminatebeenterms a and misuse conditions. your or accesssuspected misuse of the Code or use of the Electronic Access Method in breach of these (c) TerminatetermsWe can and terminate conditions. your access your access to an Electronic Access Method or cancel a Code without notice if there has termsWe can and terminate conditions. your access to an Electronic Access Method or cancel a Code without notice if there has 7.6 (c)Your TerminateWebeenliability can a misuse terminate for your authorised or accesssuspected your access transactions misuse to an of Electronic the Code Access or use Methodof the Electronic or cancel Access a Code Method without in notice breach if ofthere these has 7.6 Your beenliability a misuse for authorised or suspected transactions misuse of the Code or use of the Electronic Access Method in breach of these 7.6 Your beentermsliability a and misuse for conditions. authorised or suspected transactions misuse of the Code or use of the Electronic Access Method in breach of these 7.6 YourYou will Weliability be can liable terminate for for authorised losses your resulting access transactions to from an Electronictransactions Access that Methodare carried or cancelout by aanother Code without person withnotice your if there knowledge has 7.6 Your termsliability and for conditions. authorised transactions You You will will beenterms be be liable a liableand misuse conditions.for for lossesor losses suspected resulting resulting misuse from from transactionsof transactions the Code orthat that use are areof carried the carried Electronic out out by by another Access another Methodperson person with in with breach your your knowledge of knowledge these and consent. Yandou willconsent. be liable for losses resulting from transactions that are carried out by another person with your knowledge 7.6 TheY andYourou liability willconsent. termsliability be for liableand forlosses conditions. for authorised resultinglosses resulting fromtransactions unauthorised from transactions transactions that are will carried be determined out by another in accordance person with with your the ePaymentsknowledge Code. 7.6 and Your consent. liability for authorised transactions 7.6 and Your consent. liability for authorised transactions 7.7 LiabilityYou will be for liable Unauthorised for losses resulting Transactions from transactions that are carried out by another person with your knowledge 7.76 LiabilityYourandYou willconsent. liability be for liable Unauthorised for for authorised losses resulting Transactions transactions from transactions that are carried out by another person with your knowledge 7.7 LiabilityYou will be for liable Unauthorised for losses resulting Transactions from transactions that are carried out by another person with your knowledge 7.7 Liabilityand consent. for Unauthorised Transactions (a)Yandou willconsent. When be liable you arefor lossesnot liable resulting from transactions that are carried out by another person with your knowledge 7.7 (a)andLiability consent. When for youUnauthorised are not liable Transactions (a) WhenYou will you not are be liablenot liable for losses that you incur or suffer that: 7.7 (a)Liability When for youUnauthorised are not liable Transactions 7.7 Liability You forwill Unauthorised not be liable for Transactions losses that you incur or suffer that: s You will not ARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN be liable for losses that you incur or suffer that: 7 .7 Liability(a) WhenYou forwill youUnauthorised not are be liablenot liable for Transactions losses that you incur or suffer that: s ARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN (a) s When you NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEESARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN are not liable (a) s WhenYou will you not NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEESARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN are be liablenot liable for losses that you incur or suffer that: s You will not NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEESRELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD be liable for losses that you incur or suffer that: (a) s WhenYou will you not NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEESRELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD are be liablenot liable for losses that you incur or suffer that: s RELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD ARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN EG A #ARD OR 0). s RELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD ARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN EG A #ARD OR 0). s You will not RELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEESARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN EG A #ARD OR 0). be liable for losses that you incur or suffer that: s NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEESEG A #ARD OR 0). ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD s NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEESEG A #ARD OR 0). ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD s ARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN RELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD OR #ODE ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD s RELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD OR #ODE ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD s NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEESRELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD OR #ODE EG A #ARD OR 0). s OR #ODE RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME EG A #ARD OR 0). s OR #ODE RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME EG A #ARD OR 0). s RELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD .OMINATED !CCOUNT RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD s .OMINATED !CCOUNT RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD s RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME EG A #ARD OR 0). OR #ODE .OMINATED !CCOUNT ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD s .OMINATED !CCOUNT RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN OR #ODE s .OMINATED !CCOUNT RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN OR #ODE s MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN s MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME s RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN OR #ODE MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR .OMINATED !CCOUNT RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME s MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSES.OMINATED !CCOUNT MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR s RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSESRESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME .OMINATED !CCOUNT RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN s are RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSESRESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN incurred on any one day that exceeds any applicable daily transaction limit; s RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSES.OMINATED !CCOUNT MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN (b) When you MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR have limited liability (b) Whens youresult RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSES have from limited an Unauthorised liability Transaction that can be made using an identifier without a Code. Where (b) Whens If a Code you a RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSESwas transaction have required limited canto performliability be made the using transaction a Card, butand does it is not requireclear whether a Code, you you or will a Related be liable Account only if youUser (b) When s If a Code you MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSESwas have required limited to performliability the transaction and it is not clear whether you or a Related Account User contributedIf a Code unreasonablywas to required the loss delaytocaused perform reporting by anthe Unauthorised transactionthe loss or theftand Transaction, it of is the not Card. clearthe amount whether of you your or liability a Related will Account be limited User to contributedIf a Code was to required the loss tocaused perform by anthe Unauthorised transaction and Transaction, it is not clearthe amount whether of you your or liability a Related will Account be limited User to (b) s WhenIfthecontributed a lesserCode you RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSES wasof: haveto required the limited loss tocaused performliability by an the Unauthorised transaction and Transaction, it is not clearthe amount whether of you your or liability a Related will Account be limited User to (b) Whenthecontributed lesser you of: haveto the limited loss caused liability by an Unauthorised Transaction, the amount of your liability will be limited to (b) WhencontributedIfthe a lesserCode you wasof: haveto required the limited loss tocaused performliability by an the Unauthorised transaction and Transaction, it is not clearthe amount whether of you your or liability a Related will Account be limited User to s the lesser OR of: s theIf a lesserCode OR wasof: required to perform the transaction and it is not clear whether you or a Related Account User (b) Whens Ifcontributed a Code you ORwas haveto required the limited loss tocaused performliability by an the Unauthorised transaction and Transaction, it is not clearthe amount whether of you your or liability a Related will Account be limited User to s contributed ORTHE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS to the loss caused by an Unauthorised Transaction, the amount of your liability will be limited to s contributedthe lesser THE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS OR of: to the loss caused by an Unauthorised Transaction, the amount of your liability will be limited to s Ifthe a lesserCode TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION ORTHE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS wasof: required to perform the transaction and it is not clear whether you or a Related Account User s the lesser THE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS of: s contributed TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION ORTHE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS OR to the loss caused by an Unauthorised Transaction, the amount of your liability will be limited to s TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION ORTHE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES OR s the lesser$150 TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION ORTHE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES OR of: or a lower figure determined by the Bank; or s THE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS THE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES becoming known to someone else (excluding that portion of the loss incurred on any one day which s THE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES THE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS becoming known to someone else (excluding that portion of the loss incurred on any one day which s THE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES THE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS ORTRANSFERRED IN THE 5NAUTHORISED 4RANSACTION ORexceedsbecoming the known applicable to someone daily transaction else (excluding limit). that portion of the loss incurred on any one day which TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION ORbecoming known to someone else (excluding that portion of the loss incurred on any one day which exceedsbecoming the known applicable to someone daily transaction else (excluding limit). that portion of the loss incurred on any one day which s TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION ORTHE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS THE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES exceeds the applicable daily transaction limit). s THE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES exceeds the applicable daily transaction limit). (c) Whens you TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION ORTHE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES becoming are liable known to someone else (excluding that portion of the loss incurred on any one day which (c) When you becoming are liable known to someone else (excluding that portion of the loss incurred on any one day which (c) When you exceedsbecoming are liable the known applicable to someone daily transaction else (excluding limit). that portion of the loss incurred on any one day which (c) Whens If we can you THE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES prove are liablethat you or a Related Account User contributed to the loss arising from the Unauthorised (c) When you exceeds are liable the applicable daily transaction limit). If we can exceedsbecomingprove that the known you applicable or to a Relatedsomeone daily transactionAccount else (excluding User limit). contributed that portion to theof theloss loss arising incurred from onthe any Unauthorised one day which IfTransaction: we can prove that you or a Related Account User contributed to the loss arising from the Unauthorised (c) WhenIfTransaction: we can you exceedsprove are liablethat the you applicable or a Related daily transactionAccount User limit). contributed to the loss arising from the Unauthorised s Transaction: THROUGH YOUR FRAUD (c) WhenTransaction: you are liable (c) s WhenIf we can you THROUGH YOUR FRAUDprove are liablethat you or a Related Account User contributed to the loss arising from the Unauthorised s If we can THROUGH YOUR FRAUDBY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIENDprove onthat the you balance or a Related of probability Account that User you contributed or a Related to theAccount loss arising User contributed from the Unauthorised to the loss (c) s WhenIfTransaction: we can you BY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIENDTHROUGH YOUR FRAUDprove are liablethat you or a Related Account User contributed to the loss arising from the Unauthorised s arisingTransaction: from BY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIEND the Unauthorised Transactions: s Transaction: BY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIENDBY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARD s If we can BY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARDBY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIENDTHROUGH YOUR FRAUDprove that you or a Related Account User contributed to the loss arising from the Unauthorised s THROUGH YOUR FRAUDBY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARD s Transaction: BY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARDTHROUGH YOUR FRAUDBY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE s BY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE BY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARDBY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIEND s BY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIENDTHEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHERBY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE s BY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE BY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIENDTHROUGH YOUR FRAUD s THEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHERBY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE BY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARD s THEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHERBY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARDBY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL s THEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHERBY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL BY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARDBY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIEND s BY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL BY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE code which is a recognisable part of your or their name, after we have asked you not to select such a s BY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL BY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE code which is a recognisable part of your or their name, after we have asked you not to select such a s BY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL BY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE BY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARD#ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO ORTHEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHERcode which is a recognisable part of your or their name, after we have asked you not to select such a #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO ORTHEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHERcode which is a recognisable part of your or their name, after we have asked you not to select such a s THEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHER#ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO ORBY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL code which is a recognisable part of your or their name, after we have asked you not to select such a s #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO ORBY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE s #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO ORBY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL code which is a recognisable part of your or their name, after we have asked you not to select such41 a. s THEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHERBY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL 41 . code which is a recognisable part of your or their name, after we have asked you not to select such41 a. #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO ORcode which is a recognisable part of your or their name, after we have asked you not to select such41 a. s BY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO OR 41 . #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO ORcode which is a recognisable part of your or their name, after we have asked you not to select such a 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 43 4117/10/11. 9:03 AM 27588 BOQ G611 Save s to Win Acct BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES Fin Svcs Guide.indd 43 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO OR Fin Svcs Guide.indd 43 4117/10/11. 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 43 4117/10/11. 9:03 AM 27588 BOQ G611 Save you,to Win the Acct account Fin Svcs holder, Guide.indd will be liable 43 for the actual losses that result from an Unauthorised Transaction which17/10/11 9:03 AM 41. 27588 BOQ G611 Save occurto Win before Acct Fin we Svcs are notified Guide.indd of the 43 breach of the Electronic Access Method, except for: 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 43 17/10/11 9:03 AM 27588 BOQ G611 Save s to Win Acct THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE Fin Svcs Guide.indd 43 17/10/11 9:03 AM 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODWin Fin PDS Svcs FSG_A5.indd Guide.indd 4343 17/10/113/9/19 5:519:03 pmAM s THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT APPLICABLE TO THAT PERIOD s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT AND s LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE relevant Electronic Access Method.
(d) Liability for unreasonably delaying notification If we can prove that you contributed to a loss caused by an Unauthorised Transaction by unreasonably delaying notification of: s THE MISUSE LOSS OR THEFT OF YOUR #ARD OR s A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE you, the account holder, will be liable for the actual losses which occur between the time when you became aware (or should reasonably have become aware) of the breach and when we were actually notified, except for: s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD s THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT APPLICABLE TO THAT PERIOD s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT s LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE relevant Electronic Access Method.
(e) Liability caused by equipment malfunction We are responsible to you for any loss caused by a failure of our Electronic Equipment to complete a TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS instructions. However, if you or a Related Account User were aware, or should have been aware, that our Electronic Equipment was unavailable for use or malfunctioning, our responsibility will be limited to correcting errors in the Account and refunding any charges or fees imposed as a result. We will not be responsible if the Electronic Equipment does not accept your instructions or the Card fails to work in the terminal.
7.8 Limitation on our liability We are not liable for: s ANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT 5SER TO US s ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A 2ELATED !CCOUNT 5SERS INSTRUCTIONS s EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC Access Method under any circumstances. Nor are we liable for the refusal of any Merchant to accept an Electronic Transaction and, to the extent permitted by law, are not responsible for the goods and services supplied by a Merchant. Any complaints concerning the purchase of goods and services must first be directed to the Merchant. To the maximum extent permitted by law and except as provided under the eP ayments Code, we will not be
42.
27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 44 17/10/11 9:03 AM request cancellation of a Card, you may request a replacement Card and establish a new PIN by visiting any of our branches.
If you reportrequest that cancellationa Card has been of a lostCard, or you stolen may we request will cancel a replacement the Card immediately.Card and establish a new PIN by visiting any of our branches. (c) If Terminate you report your that access a Card has been lost or stolen we will cancel the Card immediately. We can terminate your access to an Electronic Access Method or cancel a Code without notice if there has (c) Terminatebeen a misuse your or accesssuspected misuse of the Code or use of the Electronic Access Method in breach of these terms and conditions. We can terminate your access to an Electronic Access Method or cancel a Code without notice if there has been a misuse or suspected misuse of the Code or use of the Electronic Access Method in breach of these 7.6 Your termsliability and for conditions. authorised transactions You will be liable for losses resulting from transactions that are carried out by another person with your knowledge 7.6 Yourand consent. liability for authorised transactions You will be liable for losses resulting from transactions that are carried out by another person with your knowledge 7.7 and Liability consent. for Unauthorised Transactions
7.7 Liability(a) When for youUnauthorised are not liable Transactions You will not be liable for losses that you incur or suffer that: (a) Whens you ARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN are not liable You will not NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEES be liable for losses that you incur or suffer that: s ARE CAUSED BY THE FRAUDULENT OR NEGLIGENT CONDUCT OF OUR STAFF OR AGENTS OR COMPANIES INVOLVED IN RELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD NETWORKING ARRANGEMENTS OR OF -ERCHANTS OR OF THEIR AGENTS OR EMPLOYEESEG A #ARD OR 0). s RELATE TO ANY FORGED FAULTY EXPIRED OR CANCELLED COMPONENT OR PART OF AN %LECTRONIC !CCESS -ETHOD ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD EG A #ARD OR 0). OR #ODE s ARISE BEFORE YOU RECEIVE THE #ARD OR RECEIVE OR SELECT A #ODE INCLUDING A REPLACEMENT OR REISSUED #ARD RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME OR #ODE .OMINATED !CCOUNT s RESULT FROM THE SAME %LECTRONIC 4RANSACTION BEING INCORRECTLY DEBITED MORE THAN ONCE TO THE SAME RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN .OMINATED !CCOUNT MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR s RESULT FROM AN 5NAUTHORISED 4RANSACTION THAT OCCURS AFTER YOU HAVE NOTIlED US THAT A #ARD HAS BEEN RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSESby leaving a Card in an ATM, as long as the ATM incorporates reasonable safety standards that mitigate s BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES MISUSED LOST OR STOLEN OR THAT THE SECURITY OF ANY #ODE HAS BEEN BREACHED OR the risk of a Card being left in the ATM, you, the account holder, will be liable for the actual losses that result from an Unauthorised Transaction which (b) Whens you RESULT FROM AN 5NAUTHORISED 4RANSACTION IF IT IS CLEAR THAT YOU HAVE NOT CONTRIBUTED TO THE LOSSESBY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES losses have incurred limited due liability to your failure to protect a Code for one or more (but not all) of the required Codes. s occur before BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES we are notified of the breach of the Electronic Access Method, except for: s BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES However, you will only be liable if BOQ can prove that on the balance of probability that your failure Ifyou, a Code the account was required holder, to will perform be liable the fortransaction the actual and losses it is thatnot clearresult whether from an you Unauthorised or a Related Transaction Account User which you, s the account THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE to protect holder, the Codewill be was liable more for than the 50%actual responsible losses that for result the fromlosses, an when Unauthorised assessed together Transaction with which all the (b) contributed Whenyou,occurs the before you account BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES haveto we the areholder,limited loss notified caused will liability ofbe by theliable an breach Unauthorised for the of actualthe Electronic Transaction, losses that Access theresult Method,amount from an ofexcept Unauthorisedyour for:liability will Transaction be limited which to occur s before BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODcontributing we are notified causes. of the breach of the Electronic Access Method, except for: theoccur lesser before of: we are notified of the breach of the Electronic Access Method, except for: Ifyou, s a Code the account THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE was required holder, to will perform be liable the fortransaction the actual and losses it is thatnot clearresult whether from an you Unauthorised or a Related Transaction Account User which s you, the account THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT holder, will be liable for the actual losses that result from an Unauthorised Transaction which contributed s occur before ORTHAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD to we the are loss notified caused of by the an breach Unauthorised of the Electronic Transaction, Access the Method,amount ofexcept your for:liability will be limited to occur before TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODAPPLICABLE TO THAT PERIOD we are notified of the breach of the Electronic Access Method, except for: the lesser TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODof: s THE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT s TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION OR ORAPPLICABLE TO THAT PERIODTO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT APPLICABLE TO THAT PERIODINCLUDING ANY PRE ARRANGED CREDIT ANDTO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD APPLICABLE TO THAT PERIOD s THE BALANCE OF THE .OMINATED !CCOUNTS INCLUDING ANY PRE ARRANGED CREDIT FROM WHICH VALUE WAS THE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT s becoming TRANSFERRED IN THE 5NAUTHORISED 4RANSACTION ORINCLUDING ANY PRE ARRANGED CREDIT ANDAPPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT known to someone else (excluding that portion of the loss incurred on any one day which INCLUDING ANY PRE ARRANGED CREDIT ANDrelevantAPPLICABLE TO THAT PERIOD Electronic Access Method. exceeds INCLUDING ANY PRE ARRANGED CREDIT AND the applicable daily transaction limit). s THE ACTUAL LOSS AT THE TIME WE ARE NOTIlED OF THE MISUSE LOSS OR THEFT OF THE #ARD OR OF THE #ODES LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT s LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT s becomingrelevant INCLUDING ANY PRE ARRANGED CREDIT ANDLOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE Electronic known to Access someone Method. else (excluding that portion of the loss incurred on any one day which (c)(d) WhenLiability you relevant INCLUDING ANY PRE ARRANGED CREDIT ANDfor are unreasonably liable Electronic delayingAccess Method. notification s exceedsrelevant LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE theElectronic applicable Access daily Method. transaction limit). If s we can LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE prove that you contributed to a loss caused by an Unauthorised Transaction by unreasonably (d) If Liability we can relevantforprove unreasonably that Electronic you or adelayingAccess Related Method. Accountnotification User contributed to the loss arising from the Unauthorised (d) Liabilitydelaying notification relevantfor unreasonably Electronic of: delayingAccess Method. notification (c)(d) WhenTransaction:Liability you for are unreasonably liable delaying notification If we can prove that you contributed to a loss caused by an Unauthorised Transaction by unreasonably If s we can THE MISUSE LOSS OR THEFT OF YOUR #ARD ORprove that you contributed to a loss caused by an Unauthorised Transaction by unreasonably (d) If s Liabilitydelaying we can notification THROUGH YOUR FRAUDforprove unreasonably that youof: orcontributed adelaying Related to Accountnotification a loss causedUser contributed by an Unauthorised to the loss Transaction arising from by the unreasonably Unauthorised (d) Liabilitydelaying notificationfor unreasonably of: delaying notification Transaction:delaying s notification A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE of: s If we can BY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIENDTHE MISUSE LOSS OR THEFT OF YOUR #ARD ORprove that you contributed to a loss caused by an Unauthorised Transaction by unreasonably If s we can THE MISUSE LOSS OR THEFT OF YOUR #ARD ORprove that you contributed to a loss caused by an Unauthorised Transaction by unreasonably s you,delaying the accountnotification THROUGH YOUR FRAUDTHE MISUSE LOSS OR THEFT OF YOUR #ARD OR holder, of: will be liable for the actual losses which occur between the time when you became s delaying notification BY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARDA BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE of: s aware (or A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE should reasonably have become aware) of the breach and when we were actually notified, except s BY VOLUNTARILY DISCLOSING ANY OF THE #ODES TO ANYONE INCLUDING A FAMILY MEMBER OR FRIENDTHE MISUSE LOSS OR THEFT OF YOUR #ARD ORA BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE s you, the account BY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE THE MISUSE LOSS OR THEFT OF YOUR #ARD OR holder, will be liable for the actual losses which occur between the time when you became you,for: the account holder, will be liable for the actual losses which occur between the time when you became s you,aware the (or account THEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHERBY KEEPING YOUR 0). ON THE #ARD OR IN A WAY THAT IT COULD BE LOST OR STOLEN WITH THE #ARDA BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE should holder,reasonably will havebe liable become for the aware) actual of lossesthe breach which and occur when between we were the actually time when notified, you becameexcept s aware (or A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE should reasonably have become aware) of the breach and when we were actually notified, except s awarefor: (or BY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL should reasonably have become aware) of the breach and when we were actually notified, except you, s for: the account BY KEEPING A RECORD OF THE #ODES ON ANY ARTICLES WITHOUT MAKING A REASONABLE ATTEMPT TO DISGUISE TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD holder, will be liable for the actual losses whichwhich occuroccur betweenbetween thethe timetime whenwhen youyou becamebecame you,for: the account holder, will be liable for the actual losses which occur between the time when you became aware s (or(or codeTHEM IN A WAY THAT THEY COULD BE LOST OR STOLEN TOGETHERTHAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE shouldshould which reasonably is a recognisable havehave become part aware) of your ofof or thethe their breachbreach name, andand after whenwhen we wehave werewere asked actuallyactually you not notified,notified, to select exceptexcept such for: a aware s (or THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT should reasonably have become aware) of the breach and when we were actually notified, except s for: #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO ORTHAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD s for: BY SELECTING A #ODE WHICH REPRESENTS YOUR OR A 2ELATED !CCOUNT 5SERS BIRTH DATE OR AN ALPHABETICAL TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODAPPLICABLE TO THAT PERIOD TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD s code THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT which is a recognisable part of your or their name, after we have asked you not to select such a s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED 41. s #ODE AND TOLD YOU OF THE CONSEQUENCES OF DOING SO ORAPPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODAPPLICABLE TO THAT PERIOD!CCOUNT INCLUDING ANY PRE ARRANGED CREDIT APPLICABLE TO THAT PERIOD s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT s THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE 41. 27588 BOQ G611 Save s to Win Acct !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED APPLICABLE TO THAT PERIOD Fin Svcs Guide.indd 43 17/10/11 9:03 AM APPLICABLE TO THAT PERIOD!CCOUNT INCLUDING ANY PRE ARRANGED CREDIT relevant Electronic Access Method. !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT s LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE s relevant LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT Electronic Access Method. 27588 BOQ G611 Save(e) Liability to Win Acct !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT relevantcaused Fin Svcs byElectronic equipmentGuide.indd Access malfunction 43 Method. 17/10/11 9:03 AM s LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE relevant Electronic Access Method. We s are responsible LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE to you for any loss caused by a failure of our Electronic Equipment to complete a (e) Liability relevantcaused byElectronic equipment Access malfunction Method. (e) LiabilityTRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS relevantcaused byElectronic equipment Access malfunction Method. (e) Liability caused by equipment malfunction We are responsible to you for any loss caused by a failure of our Electronic Equipment to complete a Winstructions.e are responsible to you for any loss caused by a failure of our Electronic Equipment to complete a (e) W TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS Liabilitye are responsible caused by to equipment you for any malfunction loss caused by a failure of our Electronic Equipment to complete a (e) LiabilityTRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS However, causedif you or by a Relatedequipment Account malfunction User were aware, or should have been aware, that our Electronic TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS instructions. EquipmentWe instructions. are responsible was unavailable to you for for any use loss or malfunctioning,caused by a failure our ofresponsibility our Electronic will Equipment be limited toto completecorrecting a errors in Weinstructions. are responsible to you for any loss caused by a failure of our Electronic Equipment to complete a However, TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS if you or a Related Account User were aware, or should have been aware, that our Electronic TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS theHowever, Account if you and or refunding a Related any Account charges User or feeswere imposed aware, or as should a result. have been aware, that our Electronic However,Equipmentinstructions. if wasyou unavailableor a Related for Account use or Usermalfunctioning, were aware, our or shouldresponsibility have been will aware,be limited that to our correcting Electronic errors in instructions.EquipmentWe will not was be responsible unavailable if for the use Electronic or malfunctioning, Equipment ourdoes responsibility not accept your will instructionsbe limited to or correcting the Card errorsfails to in Equipmentthe Account was and unavailable refunding anyfor usecharges or malfunctioning, or fees imposed our as responsibilitya result. will be limited to correcting errors in theworkHowever, Account in the if youterminal. and or refunding a Related any Account charges User or feeswere imposed aware, or as should a result. have been aware, that our Electronic However,the Account if you and or refunding a Related any Account charges User or feeswere imposed aware, or as should a result. have been aware, that our Electronic WeEquipment will not was be responsible unavailable if for the use Electronic or malfunctioning, Equipment ourdoes responsibility not accept your will instructionsbe limited to or correcting the Card errorsfails to in EquipmentWe will not was be responsible unavailable if for the use Electronic or malfunctioning, Equipment ourdoes responsibility not accept your will instructionsbe limited to or correcting the Card errorsfails to in Weworkthe willAccount in thenot terminal. beand responsible refunding ifany the charges Electronic or fees Equipment imposed does as a not result. accept your instructions or the Card fails to 7.8 Limitationthe work Account inon the our terminal. and liability refunding any charges or fees imposed as a result. workWe will in thenot terminal.be responsible if the Electronic Equipment does not accept your instructions or the Card fails to We areWe not will liable not for:be responsible if the Electronic Equipment does not accept your instructions or the Card fails to 7.8 Limitationwork in on the our terminal. liability 7.8 Limitationwork in on the our terminal. liability 7.8 Limitations ANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT on our liability We are not liable for: We are 5SER TO US not liable for: 7.8 We Limitation are not liableon our for: liability 7.8 s Limitation ANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT on our liability s ANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A s We are 5SER TO USANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT not liable for: We are 5SER TO US2ELATED !CCOUNT 5SERS INSTRUCTIONS not liable for: 5SER TO US s ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR AANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT s ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR AANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC s 2ELATED !CCOUNT 5SERS INSTRUCTIONSANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A5SER TO US 2ELATED !CCOUNT 5SERS INSTRUCTIONS5SER TO USAccess Method under any circumstances. 2ELATED !CCOUNT 5SERS INSTRUCTIONS s except EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A as provided under the ePayments Code, for the unavailability or loss of access to the Electronic s Nor are EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A we liable for the refusal of any Merchant to accept an Electronic Transaction and, to the extent permitted s Access EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC Access2ELATED !CCOUNT 5SERS INSTRUCTIONS MethodMethod under anyany circumstances. circumstances by law,Access 2ELATED !CCOUNT 5SERS INSTRUCTIONS are not Method responsible under forany the circumstances. goods and services supplied by a Merchant. Any complaints concerning the Access Method under any circumstances. Nors are EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC we liable for the refusal of any Merchant to accept an Electronic Transaction and, to the extent permitted Nors purchase are EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC we of liablegoods for and the services refusal must of any first Merchant be directed to accept to the anMerchant. Electronic Transaction and, to the extent permitted Norby law, areAccess arewe notliable Method responsible for theunder refusal forany the circumstances.of goodsany Merchant and services to accept supplied an byElectronic a Merchant. Transaction Any complaints and, to the concerning extent permitted the byTo thelaw,Access maximum are not Method responsible extent under permitted forany the circumstances. goodsby law and and services except assupplied provided by undera Merchant. the eP Anyayments complaints Code, we concerning will not bethe bypurchaseNor law, are arewe of not liablegoods responsible for and the services refusal for the must of goodsany first Merchant and be directedservices to accept tosupplied the anMerchant. byElectronic a Merchant. Transaction Any complaints and, to the concerning extent permitted the purchaseNor are we of liablegoods for and the services refusal must of any first Merchant be directed to accept to the anMerchant. Electronic Transaction and, to the extent permitted purchaseby law, are of not goods responsible and services for the must goods first and be directedservices tosupplied the Merchant. by a Merchant. Any complaints concerning the byTo thelaw, maximum are not responsible extent permitted for the goodsby law and and services except assupplied provided by undera Merchant. the eP Anyayments complaints Code, we concerning will not bethe Topurchase the maximum of goods extent and services permitted must by firstlaw beand directed except toas theprovided Merchant. under the eP ayments Code, we will not be 42. purchaseTo the maximum of goods extent and services permitted must by firstlaw beand directed except toas theprovided Merchant. under the eP ayments Code, we will not be To the maximum extent permitted by law and except as provided under the eP ayments Code, we will not be 42. To the maximum extent permitted by law and except as provided under the eP ayments Code, we will not be 42. 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 4444 4217/10/11. 3/9/19 5:519:03 pmAM 42. 42. 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 44 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 44 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 44 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 44 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 44 17/10/11 9:03 AM s BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES you, s the account BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES holder, will be liable for the actual losses that result from an Unauthorised Transaction which occur before we are notified of the breach of the Electronic Access Method, except for: you, the account holder, will be liable for the actual losses that result from an Unauthorised Transaction which occur s before THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE we are notified of the breach of the Electronic Access Method, except for: TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE s TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT APPLICABLE TO THAT PERIOD s THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT s APPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT AND s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT s INCLUDING ANY PRE ARRANGED CREDIT ANDLOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE relevant Electronic Access Method. s LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE relevant Electronic Access Method. (d) Liability for unreasonably delaying notification (d) If Liability we can forprove unreasonably that you contributed delaying to notification a loss caused by an Unauthorised Transaction by unreasonably delaying notification of: If we can prove that you contributed to a loss caused by an Unauthorised Transaction by unreasonably delaying s notification THE MISUSE LOSS OR THEFT OF YOUR #ARD OR of: s THE MISUSE LOSS OR THEFT OF YOUR #ARD ORA BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE you, s the account A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE holder, will be liable for the actual losses which occur between the time when you became aware (or should reasonably have become aware) of the breach and when we were actually notified, except you, the account holder, will be liable for the actual losses which occur between the time when you became for: aware (or should reasonably have become aware) of the breach and when we were actually notified, except for: s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE s TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT APPLICABLE TO THAT PERIOD s THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT s APPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED s BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE relevant Electronic Access Method. you, s the account BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE holder, will be liable for the actual losses that result from an Unauthorised Transaction which you,occur s the before account BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES relevant we areholder, Electronic notified will Accessofbe theliable breachMethod. for the of actualthe Electronic losses that Access result Method, from an except Unauthorised for: Transaction which (e) Liabilityyou, the accountcaused holder,by equipment will be liable malfunction for the actual losses that result from an Unauthorised Transaction which occur before we are notified of the breach of the Electronic Access Method, except for: you,occur s the before account THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE we areholder, notified will ofbe theliable breach for the of actualthe Electronic losses that Access result Method, from an except Unauthorised for: Transaction which (e) LiabilityWe are responsible caused by to equipment you for any malfunction loss caused by a failure of our Electronic Equipment to complete a occur s before THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD we are notified of the breach of the Electronic Access Method, except for: TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE We are responsible TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD to you for any loss caused by a failure of our Electronic Equipment to complete a instructions. s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS s TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODAPPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT instructions.However, s THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT if you or a Related Account User were aware, or should have been aware, that our Electronic APPLICABLE TO THAT PERIOD Equipment s APPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT was unavailable for use or malfunctioning, our responsibility will be limited to correcting errors in However, if you or a Related Account User were aware, or should have been aware, that our Electronic the s Account APPLICABLE TO THAT PERIODINCLUDING ANY PRE ARRANGED CREDIT ANDTHAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT and refunding any charges or fees imposed as a result. Equipment s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT was unavailable for use or malfunctioning, our responsibility will be limited to correcting errors in s INCLUDING ANY PRE ARRANGED CREDIT ANDLOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE theWe s willAccount not INCLUDING ANY PRE ARRANGED CREDIT ANDTHAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT beand responsible refunding ifany the charges Electronic or fees Equipment imposed does as a not result. accept your instructions or the Card fails to work s in therelevant INCLUDING ANY PRE ARRANGED CREDIT ANDLOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE terminal. Electronic Access Method. We s will not LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE be responsible if the Electronic Equipment does not accept your instructions or the Card fails to relevant Electronic Access Method. work s in therelevant LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE terminal. Electronic Access Method. 7.8 Limitation(d) Liability on relevantforour unreasonablyliability Electronic delayingAccess Method. notification (d) If Liability we can forprove unreasonably that you contributed delaying to notification a loss caused by an Unauthorised Transaction by unreasonably 7.8 LimitationWe(d) are Liability not liableon forour for: unreasonablyliability delaying notification (d) Ifdelaying Liability we can notification forprove unreasonably that youof: contributed delaying to notification a loss caused by an Unauthorised Transaction by unreasonably Wes areIf ANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT notwe canliable prove for: that you contributed to a loss caused by an Unauthorised Transaction by unreasonably delaying notification of: Ifdelaying 5SER TO USs we can notification THE MISUSE LOSS OR THEFT OF YOUR #ARD ORprove that youof: contributed to a loss caused by an Unauthorised Transaction by unreasonably s ANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT delaying s notification A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE THE MISUSE LOSS OR THEFT OF YOUR #ARD OR of: s 5SER TO USs ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A THE MISUSE LOSS OR THEFT OF YOUR #ARD OR you, 2ELATED !CCOUNT 5SERS INSTRUCTIONSs the account THE MISUSE LOSS OR THEFT OF YOUR #ARD ORA BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE holder, will be liable for the actual losses which occur between the time when you became s s ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE aware (or should reasonably have become aware) of the breach and when we were actually notified, except s you, 2ELATED !CCOUNT 5SERS INSTRUCTIONSs EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC the account A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE holder, will be liable for the actual losses which occur between the time when you became Accessawarefor: (orMethod should under reasonably any circumstances. have become aware) of the breach and when we were actually notified, except s you,aware EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC the (or account should holder,reasonably will havebe liable become for the aware) actual of lossesthe breach which and occur when between we were the actually time when notified, you becameexcept for: s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE Nor areAccessawarefor: we liable (orMethod should for theunder reasonably refusal any circumstances.of have any Merchantbecome aware) to accept of the an breach Electronic and Transactionwhen we were and, actually to the extentnotified, permitted except by law,for: s are not THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODresponsible for the goods and services supplied by a Merchant. Any complaints concerning the Nor are s we liable THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE for the refusal of any Merchant to accept an Electronic Transaction and, to the extent permitted purchase s of goods TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT and services must first be directed to the Merchant. by law, s are not THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODresponsible for the goods and services supplied by a Merchant. Any complaints concerning the APPLICABLE TO THAT PERIOD purchaseTo the s maximum of goods TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT extent and services permitted must by firstlaw beand directed except toas theprovided Merchant. under the eP ayments Code, we will not be liable s to you for APPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED any loss, expense or damage, including lost time, money, goodwill and profits, damage to or loss of liableTo the s to maximum you for THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT any extent loss, permitted expense orby damage, law and includingexcept as lostprovided time, undermoney, the goodwill eP ayments and profits,Code, we damage will not to beor loss of data, s which may !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED arise from the use, operation, maintenance or failed use of the Electronic Access Method or which42. liabledata, s whichto you may for APPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED anyarise loss, from expense the use, or operation,damage, including maintenance lost time,or failed money, use goodwillof the Electronic and profits, Access damage Method to oror losswhich of liablemay arise to you from for !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT delays, any loss, defects, expense errors, or damage, omissions including or interruptions lost time, in money, the Electronic goodwill Access and profits, Method. damage to or loss of data,liablemay arise s whichto you from may for !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE delays, anyarise loss, fromdefects, expense the errors,use, or operation,damage, omissions including maintenance or interruptions lost time,or failed in money, the use Electronic goodwillof the Electronic Access and profits, Method. Access damage Method to oror losswhich 42of . liabledata, whichto you may for anyarise loss, from expense the use, or operation,damage, including maintenance lost time,or failed money, use goodwillof the Electronic and profits, Access damage Method to oror losswhich of maydata, arise s which from may relevant!CCOUNT INCLUDING ANY PRE ARRANGED CREDIT LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE delays, arise fromdefects, Electronic the errors,use, Access operation, omissions Method. maintenance or interruptions or failed in the use Electronic of the Electronic Access Method. Access Method or which 27588 BOQ G611 Savedata,liablemay arise s whichtoto Winyou from may Acctfor LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE delays, any ariseFin loss,Svcs fromdefects, expense Guide.indd the errors,use, or operation,damage, omissions 44 including maintenance or interruptions lost time,or failed in money, the use Electronic goodwillof the Electronic Access and profits, Method. Access damage Method to oror losswhich of17/10/11 9:03 AM 8. mayGENERAL arise from TERMS relevantdelays, defects, Electronic AND errors,CONDITIONS Access omissions Method. or interruptions in the Electronic Access Method. 8. maydata,GENERAL arise s which from may TERMS relevantLOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE delays, arise fromdefects, Electronic AND the errors,use,CONDITIONS Access operation, omissions Method. maintenance or interruptions or failed in the use Electronic of the Electronic Access Method. Access Method or which 27588 BOQ8. G611 Save GENERAL to Win Acct TERMS Fin Svcs AND Guide.indd CONDITIONS 44 17/10/11 9:03 AM 8..1 Changesmay(e)GENERAL arise Liability tofrom terms TERMS relevantcauseddelays, and defects, byElectronic conditionsAND equipment errors,CONDITIONS Access of omissionsmalfunction Banking Method. orServices interruptions in the Electronic Access Method. 8.1 Changes to terms and conditions of Banking Services 8. (e)GENERAL We Liability are responsibleTERMS caused by ANDto equipment you forCONDITIONS any malfunction loss caused by a failure of our Electronic Equipment to complete a 8..1 ChangesWe(e)GENERAL can Liability change to terms TERMS caused the andterms by conditionsAND andequipment conditions CONDITIONS of malfunction Banking that apply Services to your Account, the way you access your Account, or any 8.1 ChangesWe can TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS change to terms the andterms conditions and conditions of Banking that apply Services to your Account, the way you access your Account, or any 8. other(e)GENERAL We LiabilityBanking are responsible TERMS Servicescaused bywe ANDto equipmentprovide. you forCONDITIONS Weany malfunction canloss also caused add by new a failure products of ouror stop Electronic existing Equipment products atto anycomplete time. 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Limitation willare INTRODUCE A NEW FEE OR CHARGE notlettell youliableonyou our knowof for: changes liability of changes to these in writing terms and if we: conditions in accordance with the law and any code to which we s subscribe.We will INTRODUCE A NEW FEE OR CHARGEINCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT let you know of changes in writing if we: 7.8 s We Limitation willare INTRODUCE A NEW FEE OR CHARGEINCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT ANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT notlet youliableon ourknow for: liability of changes in writing if we: ACCESS METHOD s We will ACCESS METHODINCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT INTRODUCE A NEW FEE OR CHARGE5SER TO US let you know of changes in writing if we: s We are INCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT INTRODUCE A NEW FEE OR CHARGEANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT not liable for: s ACCESS METHODCHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNTINTRODUCE A NEW FEE OR CHARGEINCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT 5SER TO US s ACCESS METHODCHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNTINCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT 5SER TO USANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A s ACCESS METHODCHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAIDCHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNT2ELATED !CCOUNT 5SERS INSTRUCTIONS s ACCESS METHODCHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNTCHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAIDINCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT 5SER TO USANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A s INCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS ORACCESS METHODCHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNTCHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAID2ELATED !CCOUNT 5SERS INSTRUCTIONSEXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC vary the minimum balance to which an account keeping fee applies; s CHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAIDINCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS ORCHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNTANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A s CHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNTCHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAIDAccess2ELATED !CCOUNT 5SERS INSTRUCTIONSEXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC vary the Method balance under ranges any to circumstances. which an interest rate applies. s INCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS ORIMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR CHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAIDEXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC vary the minimum balance to which an account keeping fee applies; s INCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS ORIMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR Access Method under any circumstances. s Nor areElectronic INCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS ORCHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAIDEXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC Accessvary we the liable Method balance Equipment. for theunder ranges refusal any to circumstances.of which any Merchant an interest to acceptrate applies. an Electronic Transaction and, to the extent permitted s IMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR ElectronicINCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS OR Equipment. s Norby law, are IMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR arewe notliable responsible for the refusal for the of goodsany Merchant and services to accept supplied an byElectronic a Merchant. Transaction Any complaints and, to the concerning extent permitted the s OtherNor are ElectronicINCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS ORIMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR Accesschanges we liable Method may Equipment. for also theunder occur,refusal any such circumstances.of any as: Merchant to accept an Electronic Transaction and, to the extent permitted s Otherbypurchase law, ElectronicIMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR changes are of not goods mayresponsible Equipment. and also services occur, for the suchmust goods as: first and be directedservices tosupplied the Merchant. by a Merchant. Any complaints concerning the Others Norby law, are ElectronicCHANGES IN GOVERNMENT FEES OR CHARGES OR changes arewe notliable mayresponsible Equipment. for also the occur,refusal for thesuch of goodsany as: Merchant and services to accept supplied an byElectronic a Merchant. Transaction Any complaints and, to the concerning extent permitted the s Otherpurchase IMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR ElectronicCHANGES IN GOVERNMENT FEES OR CHARGES OR changes of goods may Equipment. and also services occur, suchmust as: first be directed to the Merchant. 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We will try to help you, provided that 8.2 IfWe thereyou strongly get are intoenough advise financial youchanges to telldifficulty to us this immediately PDS to warrant if you doing are in so, financial we will difficulty. consolidate We them will try in ato single help you,publication. provided that any action we take would be fair and reasonable in the interests of you, our other customers and shareholders. 8.2 We Ifany you stronglyaction get weinto advise take financial youwould to betelldifficulty fair us immediatelyand reasonable if you in theare interestsin financial of you,difficulty. our other We willcustomers try to help and you,shareholders. provided that 8.2 IfWe you strongly get into advise financial you to telldifficulty us immediately if you are in financial difficulty. We will try to help you, provided that 8.2 any IfWe you stronglyaction get weinto advise take financial youwould to betelldifficulty fair us immediatelyand reasonable if you in theare interestsin financial of you,difficulty. our other We willcustomers try to help and you,shareholders. provided that Weany stronglyaction we advise take youwould to betell fair us immediatelyand reasonable if you in theare interestsin financial of you,difficulty. our other We willcustomers try to help and you,shareholders. provided that any action we take would be fair and reasonable in the interests of you, our other customers and shareholders. 43. anyWe stronglyaction we advise take youwould to betell fair us immediatelyand reasonable if you in theare interestsin financial of you,difficulty. our other We willcustomers try to help and you,shareholders. provided that43. any action we take would be fair and reasonable in the interests of you, our other customers and shareholders. 43. 43. 43. 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 45 4317/10/11. 9:03 AM 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 4545 17/10/113/9/19 5:519:03 pmAM 43. 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 45 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 45 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 45 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 45 17/10/11 9:03 AM 27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 45 17/10/11 9:03 AM s BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES you, the account holder, will be liable for the actual losses that result from an Unauthorised Transaction which occur before we are notified of the breach of the Electronic Access Method, except for: s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD s THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT APPLICABLE TO THAT PERIOD s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT AND s LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE relevant Electronic Access Method.
(d) Liability for unreasonably delaying notification If we can prove that you contributed to a loss caused by an Unauthorised Transaction by unreasonably delaying notification of: s THE MISUSE LOSS OR THEFT OF YOUR #ARD OR s A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE you, the account holder, will be liable for the actual losses which occur between the time when you became aware (or should reasonably have become aware) of the breach and when we were actually notified, except for: s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD s THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT APPLICABLE TO THAT PERIOD s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT s BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE relevant Electronic Access Method. you, s the account BY OTHERWISE ACTING WITH EXTREME CARELESSNESS IN FAILING TO PROTECT THE #ODES holder, will be liable for the actual losses that result from an Unauthorised Transaction which you,occur the before account we areholder, notified will ofbe theliable breach for the of actualthe Electronic losses that Access result Method, from an except Unauthorised for: Transaction which (e) Liability caused by equipment malfunction occur s before THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE we are notified of the breach of the Electronic Access Method, except for: We are responsible to you for any loss caused by a failure of our Electronic Equipment to complete a s THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS TO YOUR !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHOD instructions. s THAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT s APPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT However, if you or a Related Account User were aware, or should have been aware, that our Electronic APPLICABLE TO THAT PERIOD Equipment s THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT was unavailable for use or malfunctioning, our responsibility will be limited to correcting errors in the s Account INCLUDING ANY PRE ARRANGED CREDIT ANDTHAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT !CCOUNT and refunding any charges or fees imposed as a result. INCLUDING ANY PRE ARRANGED CREDIT AND We s will not LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE be responsible if the Electronic Equipment does not accept your instructions or the Card fails to work s in therelevant LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE terminal. Electronic Access Method. relevant Electronic Access Method. 7.8 Limitation(d) Liability on forour unreasonablyliability delaying notification (d) Liability for unreasonably delaying notification We areIf notwe canliable prove for: that you contributed to a loss caused by an Unauthorised Transaction by unreasonably Ifdelaying we can notification prove that youof: contributed to a loss caused by an Unauthorised Transaction by unreasonably s ANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT delaying notification of: 5SER TO USs THE MISUSE LOSS OR THEFT OF YOUR #ARD OR s THE MISUSE LOSS OR THEFT OF YOUR #ARD OR s s ANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE you, 2ELATED !CCOUNT 5SERS INSTRUCTIONSs the account A BREACH OF THE SECURITY OF YOUR OR A 2ELATED !CCOUNT 5SERS #ODE holder, will be liable for the actual losses which occur between the time when you became s you,aware EXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC the (or account should holder,reasonably will havebe liable become for the aware) actual of lossesthe breach which and occur when between we were the actually time when notified, you becameexcept Accessawarefor: (orMethod should under reasonably any circumstances. have become aware) of the breach and when we were actually notified, except for: Nor are s we liable THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE for the refusal of any Merchant to accept an Electronic Transaction and, to the extent permitted by law, s are not THAT PORTION OF THE LOSSES INCURRED ON ANY ONE DAY WHICH EXCEED THE DAILY TRANSACTION LIMIT APPLICABLE TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODresponsible for the goods and services supplied by a Merchant. Any complaints concerning the purchase s of goods TO THE !CCOUNT OR THE RELEVANT %LECTRONIC !CCESS -ETHODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT and services must first be directed to the Merchant. To the s maximum APPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED IN A PERIOD WHICH EXCEEDS ANY OTHER PERIODIC TRANSACTION LIMIT extent permitted by law and except as provided under the eP ayments Code, we will not be liable s to you for APPLICABLE TO THAT PERIODTHAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED any loss, expense or damage, including lost time, money, goodwill and profits, damage to or loss of liable to you for any loss, expense or damage, including lost time, money, goodwill and profits, damage to or loss of data, s which may !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT THAT PORTION OF THE LOSSES INCURRED ON YOUR !CCOUNT WHICH EXCEEDS THE BALANCE OF THAT .OMINATED arise from the use, operation, maintenance or failed use of the Electronic Access Method or which42. liabledata, whichto you may for anyarise loss, from expense the use, or operation,damage, including maintenance lost time,or failed money, use goodwillof the Electronic and profits, Access damage Method to oror losswhich of may arise from !CCOUNT INCLUDING ANY PRE ARRANGED CREDIT delays, defects, errors, omissions or interruptions in the Electronic Access Method. data,liablemay arise s whichto you from may for LOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE delays, anyarise loss, fromdefects, expense the errors,use, or operation,damage, omissions including maintenance or interruptions lost time,or failed in money, the use Electronic goodwillof the Electronic Access and profits, Method. Access damage Method to oror losswhich of maydata, arise s which from may relevantLOSSES INCURRED ON YOUR !CCOUNT WHICH YOU AND WE HAD AGREED COULD NOT BE ACCESSED USING THE delays, arise fromdefects, Electronic the errors,use, Access operation, omissions Method. maintenance or interruptions or failed in the use Electronic of the Electronic Access Method. Access Method or which 27588 BOQ8. G611 SaveGENERAL to Win Acct TERMS Fin Svcs AND Guide.indd CONDITIONS 44 17/10/11 9:03 AM 8. mayGENERAL arise from TERMS relevantdelays, defects, Electronic AND errors,CONDITIONS Access omissions Method. or interruptions in the Electronic Access Method. 8..1 Changes(e)GENERAL Liability to terms TERMS caused and by conditionsAND equipment CONDITIONS of malfunction Banking Services 8..1 Changes(e)GENERAL Liability to terms TERMS caused and by conditionsAND equipment CONDITIONS of malfunction Banking Services We canWe change are responsible the terms to and you conditions for any loss that caused apply byto ayour failure Account, of our the Electronic way you Equipment access your to Account,complete or a any 8.1 ChangesWe can change to terms the andterms conditions and conditions of Banking that apply Services to your Account, the way you access your Account, or any other We TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS Banking are responsible Services we to provide. you for Weany canloss also caused add by new a failure products of ouror stop Electronic existing Equipment products atto anycomplete time. Asa set out 8.1 Changesother Banking to terms Services and we conditions provide. We of canBanking also add Services new products or stop existing products at any time. As set out underWe caninstructions. TRANSACTION ACCEPTED BY THAT %LECTRONIC %QUIPMENT IN ACCORDANCE WITH YOUR OR A 2ELATED !CCOUNT 5SERS section change 2.3 the of termsthe Save and to conditions Win Account that ©apply Promotion to your Terms Account, and theConditions way you we access may terminateyour Account, the Saveor any to Win under section 2.3 of the Save to Win Account © Promotion Terms and Conditions we may terminate the Save to Win !CCOUNT© 0ROMOTION AT ANY TIME otherWe can However,instructions.Banking change Services ifthe you terms or we a andRelatedprovide. conditions Account We can that Useralso apply addwere tonew aware, your products Account, or should or stopthe have way existing been you aware,accessproducts thatyour at our Account,any Electronic time. orAs any set out !CCOUNT© 0ROMOTION AT ANY TIME underother Bankingsection 2.3Services of the we Save provide. to Win We Account can also © Promotionadd new products Terms and or stopConditions existing we products may terminate at any time. the Save As set to out Win We canHowever,Equipment change, if among wasyou unavailableor othera Related things, for Account useinterest or Usermalfunctioning, rates, were fees aware, and our charges,or shouldresponsibility and have the been waywill aware,bewe limited calculate that to our correctinginterest Electronic or errorsPrize in We!CCOUNT© 0ROMOTION AT ANY TIME under canthe section change, Account 2.3 among ofand the refunding otherSave tothings, Win any Accountinterestcharges rates,or© Promotionfees fees imposed and Terms charges, as a and result. andConditions the way we we may calculate terminate interest the Saveor Prize to Win !CCOUNT© 0ROMOTION AT ANY TIME PaymentsEquipment or repayments. was unavailable We can foradd use new or fees malfunctioning, and charges ourat any responsibility time. will be limited to correcting errors in WePayments canthe change, Accountor repayments. among and refunding other We canthings, anyadd interestcharges new fees rates,or and fees feescharges imposed and atcharges, as any a result.time. and the way we calculate interest or Prize We willWe tell will you not of be changes responsible to these if the terms Electronic and conditions Equipment in doesaccordance not accept with your the lawinstructions and any orcode the to Card which fails we to WePayments willcanwork change,tell or in you repayments. the ofamong terminal. changes other We to can things,these add terms interest new andfees rates, conditionsand feescharges and in atcharges,accordance any time. and with the waythe law we andcalculate any code interest to which or Prize we Paymentssubscribe.We willor repayments. not be responsible We can if add the newElectronic fees and Equipment charges atdoes any not time. accept your instructions or the Card fails to Wesubscribe. willwork tell in you the of terminal. changes to these terms and conditions in accordance with the law and any code to which we We will let you know of changes in writing if we: 7.8 Wesubscribe. Limitation will lettell youonyou our knowof changes liability of changes to these in writing terms and if we: conditions in accordance with the law and any code to which we s subscribe. INTRODUCE A NEW FEE OR CHARGE 7.8 s We Limitation willare INTRODUCE A NEW FEE OR CHARGE notlet youliableon ourknow for: liability of changes in writing if we: s We will INCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT let you know of changes in writing if we: s We are INCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT INTRODUCE A NEW FEE OR CHARGEANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT not liable for: s ACCESS METHODINTRODUCE A NEW FEE OR CHARGE s ACCESS METHODINCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT 5SER TO USANY LOSS EXPENSE OR DAMAGE ARISING OUT OF THE INACCURACY OF INSTRUCTIONS GIVEN BY YOU OR A 2ELATED !CCOUNT s CHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNT s ACCESS METHODCHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNTINCREASE FEES RELATING SOLELY TO YOUR USE OF AN ACCESS METHOD OR TO ISSUE YOU WITH AN ADDITIONAL OR REPLACEMENT 5SER TO USANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A s ACCESS METHODCHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAID2ELATED !CCOUNT 5SERS INSTRUCTIONS s CHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAIDCHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNTANY LOSSES CAUSED BY THE FAILURE OF OUR EQUIPMENT WHERE OUR SYSTEM OR EQUIPMENT HAD NOT ACCEPTED YOUR OR A s INCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS ORCHANGE THE WAY INTEREST IS CALCULATED CHARGED OR PAID TO YOUR !CCOUNT2ELATED !CCOUNT 5SERS INSTRUCTIONSEXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC vary the minimum balance to which an account keeping fee applies; s INCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS ORCHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAID s IMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR CHANGE THE WAY 0RIZE 0AYMENTS ARE CALCULATED OR PAIDAccessEXCEPT AS PROVIDED UNDER THE %&4 #ODE OF #ONDUCT FOR THE UNAVAILABILITY OR LOSS OF ACCESS TO THE %LECTRONIC vary the Method balance under ranges any to circumstances. which an interest rate applies. s IMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR INCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS OR s Nor areElectronic INCREASE YOUR LIABILITY FOR LOSSES RELATING TO %LECTRONIC 4RANSACTIONS ORAccess we liable Method Equipment. for theunder refusal any circumstances.of any Merchant to accept an Electronic Transaction and, to the extent permitted s Electronic IMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR Equipment. Norby law, are arewe notliable responsible for the refusal for the of goodsany Merchant and services to accept supplied an byElectronic a Merchant. Transaction Any complaints and, to the concerning extent permitted the s Other IMPOSE REMOVE OR ADJUST TRANSACTION LIMITS WHICH APPLY TO THE USE OF AN ACCESS METHOD AN !CCOUNT OR Electronicchanges may Equipment. also occur, such as: Otherbypurchase law, changes are of not goods mayresponsible and also services occur, for the suchmust goods as: first and be directedservices tosupplied the Merchant. by a Merchant. Any complaints concerning the s Electronic CHANGES IN GOVERNMENT FEES OR CHARGES OR Equipment. s OtherTopurchase the CHANGES IN GOVERNMENT FEES OR CHARGES OR changesmaximum of goods may extent and also services permittedoccur, suchmust by as: firstlaw beand directed except toas theprovided Merchant. under the eP ayments Code, we will not be s Other VARIATIONS IN EXISTING FEES OR INTEREST RATESchanges may also occur, such as: s To the VARIATIONS IN EXISTING FEES OR INTEREST RATESCHANGES IN GOVERNMENT FEES OR CHARGES OR maximum extent permitted by law and except as provided under the eP ayments Code, we will not be Wes will CHANGES IN GOVERNMENT FEES OR CHARGES OR notify you of these changes or any other change to the Banking Services we provide to you by writing to 42you. Wes will VARIATIONS IN EXISTING FEES OR INTEREST RATES notify you of these changes or any other change to the Banking Services we provide to you by writing to you before the change takes effect, placing a notice in a major daily newspaper, placing a notice on or with statements of befores VARIATIONS IN EXISTING FEES OR INTEREST RATES the change takes effect, placing a notice in a major daily newspaper, placing a notice on or with statements42 .of AccountWe will notify or other you material of these we changes send to or you, any placingother change information to the on Banking our Internet Services Banking we provide sign-in to pageyou by (where writing the to you WeAccount will notify or other you material of these we changes send to or you, any placingother change information to the on Banking our Internet Services Banking we provide sign-in to pageyou by (where writing the to you 27588 BOQ G611 SavechangebeforeWe will to the relatesnotifyWin change Acct youto FinInternet takesof Svcsthese effect, Banking) Guide.inddchanges placing or placing anya44 notice other a innotice change a major on to ourdaily the ATMs Banking newspaper, (where Services theplacing change we aprovide notice relates toon youto or ATM with by writingaccess statements orto you,17/10/11 of 9:03 AM change relates to Internet Banking) or placing a notice on our ATMs (where the change relates to ATM access or functionality).beforeAccountplacing the a or notice change other in material takesa major effect, we daily send placing newspaper, to you, a notice placing placing in informationa a major notice daily on onor newspaper, ourwith Internet statements placing Banking of a Accountnotice sign-in on or pageor other with (where materialstatements the we of 27588 BOQ G611 SaveAccountchangefunctionality).send toto relatesyou,Win or other Acctplacing to materialFinInternet information Svcs weBanking)Guide.indd send on to orour you, placing 44Internet placing a noticeBanking information on sign-in our ATMs on page our (where (whereInternet the the Banking change change sign-inrelates relates topage to ATM Internet (where access Banking)the or 17/10/11 or 9:03 AM If we are required to notify you in writing of any changes, we will send the notice to the last mailing address changeIffunctionality).placing we are relatesa requirednotice to on Internetto our notify ATMs Banking) you (where in writing or the placing change of any a notice relateschanges, onto ourweATM willATMs access send (where or the functionality). noticethe change to the relates last mailing to ATM address access or functionality).recorded by us. We may not be able to notify you in writing where you cannot reasonably be located. Ifrecorded we are byrequired us. We to may notify not you be ablein writing to notify of any you changes, in writing we where will send you cannotthe notice reasonably to the last be mailinglocated. address For joint Accounts, we will only send one notice to the last mailing address. recordedIfFor we joint are Accounts, byrequired us. We to wemay notify will not onlyyou be ableinsend writing to one notify noticeof any you tochanges, in the writing last we mailing where will send youaddress. cannotthe notice reasonably to the last be mailinglocated. address Ifrecorded you have by agreed us. We tomay us notdoing be so,able we to can notify notify you you in writingof any changeswhere you by cannotemail, orreasonably by posting be the located. information on our ForIf you joint have Accounts, agreed towe us will doing only so, send we onecan noticenotify toyou the of lastany mailingchanges address. by email, or by posting the information on our website. If the information is posted on our website, we will tell you promptly of that fact by sending a message to Forwebsite. joint IfAccounts, the information we will onlyis posted send onone our notice website, to the we last will mailing tell you address. promptly of that fact by sending a message to yourIf you email have address.agreed toIf usyou doing have so,agreed we can to usnotify contacting you of anyyou changesin this way, by email,you can or revokeby posting your the agreement information at any on timeour your email address. If you have agreed to us contacting you in this way, you can revoke your agreement at any time bywebsite.If you advising have If the agreedus thatinformation toyou us longer doing is posted wishso, we to on can be our contactednotify website, you electronically.weof anywill changestell you You promptlyby canemail, also ofor update thatby posting fact your by theemail sending information address a message as on set our toout by advising us that you longer wish to be contacted electronically. You can also update your email address as set out inyourwebsite. section email If 9.6. theaddress. Ifinformation you If elect you haveto is receiveposted agreed onnotices to our us website,contactingby email, we you youwill cannot intell this you receive way, promptly you paper can of copies revokethat fact of your those by agreementsending notices a from messageat any us. time Ifto in section 9.6. If you elect to receive notices by email, you cannot receive paper copies of those notices from us. If youbyyour advising do email not address.checkus that your youIf you email longer have regularly, wish agreed to youbeto uscontacted might contacting not electronically. be youaware in thisof a Youway, change can you also tocan your update revoke account youryour untilemailagreement after address the at aschangeany set time out you do not check your email regularly, you might not be aware of a change to your account until after the change hasinby sectionadvising become 9.6. useffective. Ifthat you you elect longer to receive wish to notices be contacted by email, electronically. you cannot receiveYou can paper also updatecopies ofyour those email notices address from as us. set If out youinhas section becomedo not 9.6. check effective. If you your elect email to regularly,receive notices you might by email, not beyou aware cannot of areceive change paper to your copies account of those until notices after thefrom change us. If Even if you have not agreed to us notifying you of changes electronically, if a change to these terms and conditions hasyouEven becomedo if notyou checkhave effective. not your agreed email toregularly, us notifying you might you of not changes be aware electronically, of a change if toa change your account to these until terms after and the conditions change is not materially adverse to you, we may update this document by posting a change on our website. A paper copy hasis not become materially effective. adverse to you, we may update this document by posting a change on our website. A paper copy ofEven any if updatedyou have information not agreed willto us be notifying given to youyou ofwithout changes charge electronically, on request. if aWe change may also to these issue terms an addendum and conditions with 8.3of Maintaining any updated security information will be given to you without charge on request. We may also issue an addendum with newisEven not information.if materially you have adversenot The agreed current to you, to terms us we notifying andmay conditionsupdate you ofthis changes and document any electronically,addenda by posting will beif a achangeavailable change on toin our thesepaper website. termsform fromAand paper conditionsany copy BOQ 8.3new Maintaining information. security The current terms and conditions and any addenda will be available in paper form from any BOQ branchofisYou notany, and materially updatedand anyone in electronic information adverseacting wit formto h you,will your from bewe a uthgiven themayor BOQ ity, updateto youmustwebsite withoutthis safeguard documentat boq.com.au. charge all mechanismsby on posting request. a Weusedchange may to a onalsocce ours issues yourwebsite. an Account addendum A paper agains copy witht newofbranchYlossou any, andthefinformation. updatedand ta nyoneor in m electronici suseinformation a Thecti,ing nccurrent wil udformthi ngwill you terms fromcredi ber a uthor giventtheandan dBOQ conditionsit todebity, youmustwebsite Cards without safeguard and ,at cheques anyboq.com.au. charge addendaal,l trmechan onansac request. willtiionsms be record Weuavailablesed may tbookso access also in andpaper issue your PINs. forman Account addendumThis from shoul agaanyd inswith BOQt If there are enough changes to this PDS to warrant doing so, we will consolidate them in a single publication. branchnewIflossincl thereude, thefinformation. andaaretppropr or enoughin m electroniciisuseate The changes,s ai nccurrentfegulud formaingrd to sterms from conthisred a i nytthePDSand and computer BOQ toconditions deb warrant websiteit Cards equ anddoing i,pmentat cheques anyboq.com.au. so, addenday ouwe, transaction usewill toconsolidatewill ac cessbe record available your them book Accoun in sin andpaper at single e.g.PIN form ups. publication.T-hi tofromss-datehou any ldviru BOQs branchinclsoftwaudere anda.ppropr in electroniciate safeguards form from on any the com BOQputer website equ ipmentat boq.com.au. you use to access your Account e.g. up-to-date virus If there are enough changes to this PDS to warrant doing so, we will consolidate them in a single publication. 8.2 Ifsof youtwa reget. into financial difficulty 88.3.2 If MaintainingYou thereyou must get are tel intoenoughl ussecurity financialas soonchanges as difficulty pos to sthisible PDSif any to payment warrant idoingnstrument so, we or will Account consolidate access them mechan in aism single is lost, publication. stolen or WeYmouisuse stronglymustd tel ladvise us as soonyou to a stell poss usibl immediatelye if any payment if you i nstrumentare in financial or Account difficulty. access We mechanismwill try to help is lost, you, s tprovidedolen or that 88.3.2 IfWeYMaintainingou you ,strongly and get anyone into advise security financialact youing towit telldifficultyh your us immediately authority, must if you safeguard are in financial all mechanisms difficulty. used We towill acce trys tos your help Account you, provided agains thatt 8.2 Ifanym isuseyou action dget weinto take financial would bedifficulty fair and reasonable in the interests of you, our other customers and shareholders. WeanyYlossou ,strongly actionandthef ta nyoneor we advisem takeisuse acti youwould,ingnc towilud thbetelling youfair uscredi r immediately andauthort an reasonabledit debity, must if Cards you insafeguard theare, cheques interestsin financial al,l trmechan aofnsac you,difficulty.tiion smsour record uother sWeed t willbooksocustomers access try and to your help PINs.and Account you,shareholders. This provided shoul agadins thatt 8.4 Covering us for loss anyWelossincl ude,strongly actionthef atppropr or we advisem takeiisuseate youwould,s aincfegu tolud betellaingrd fair s us conred immediatelyand ainyt and reasonable computer debi tif Cards you equin thearei,pment cheques interestsin financial you, transaction useof you, difficulty.to a courcess record other Weyour willbookcustomers Accoun trys and tot e.g.help PINand ups .you,shareholders. T-hitoss -provideddatehou ldviru thats 8.4anysofY Coveringoutwa actionagreere. us twehat for takeif wloss ewould suffer be any fair los ands be reasonablecause of: in the interests of you, our other customers and shareholders. 43. 8.3 Maintaininginclude appropr securityiate safeguards on any computer equipment you use to access your Account e.g. up-to-date virus 43. Ysofoutwa magreeustre. telthatl us if as w esoon suffer as anypos slossible becauseif any payment of: instrument or Account access mechanism is lost, stolen or 8.3 Y Maintainingou, and anyone security acting with your authority, must safeguard all mechanisms used to access your Account against 43. Ymouisuse mustd tell us as soon as possible if any payment instrument or Account access mechanism is lost, stolen or 43. 27588 BOQ G611 SaveYlossou, andthef to Win ta nyoneor Acctmisuse aFincti,ing Svcsnc wilud thGuide.indding you credir authort an 45dit debity, must Cards safeguard, cheques al,l trmechanansactiionsms record used tbookso access and your PINs. Account This shoul agadins t 17/10/11 9:03 AM 27588 BOQ G611 Saveinclmisuseude tod aWinppropr Acctiate Fin s aSvcsfegu aGuide.inddrds on any computer 45 equipment you use to access your Account e.g. up-to-date virus 17/10/11 9:03 AM (c)loss, thef anyt breor amchisuse of the, inc tludermings and cred conditit andi onsdeb iint Cardsthis boo, chequesklet, , transaction record books and PINs. Thisss should 27588 BOQ8.4 G611 Saveinclsof Coveringtwaude tore aWin.ppropr us Acctforiate lossFin s aSvcsfeguards Guide.indd on any com 45 puter equipment you use to access your Account e.g. up-to-date virus 17/10/11 9:03 AM 27588 BOQ G611 Save(c)by you anyto or Win breanyone Acctach ofFinauthorised the Svcs term Guide.indd sbany youd cond to use it45ions your in thisAccount, book letyou, will pay us the amount of that loss on demand, 17/10/11 9:03 AM 8.4Ysof Coveringoutwa magreeustre. telusthatl forus if aswloss esoon suffer as anypos slibleoss beif acanyuse payment of: instrument or Account access mechanism is lost, stolen or byincl youudi ngor allanyone legal aucoststhor onised a byful lyou inde tomn usitey yourbasis, A ccount,even after you your will Accounpay us tthe is closedamount. of that loss on demand, Ymouisuse magreeustd telthatl us if as w esoon suffer as anyposs lossible becauseif any payment of: instrument or Account access mechanism is lost, stolen or including all legalcosts on a full indemnity basis, even after your Account is closed. misused 8.5 Customer integrity 8.4 Covering us for loss 8.5(c) CustomerWe bel anyieve bre integritythaatchy ofou the will t erdeamls witandh conditus honionsestl yin and this in boo goodklet faith, . If we suffer loss because you do not deal with 8.4 Y Coveringou agree usthat for if wlosse suffer any loss because of: (c)byWuse honestyou bel any ioreve lbreay nyone thoraat chiny goodofouauthorised the wil fa lterm idealth,w s bwianye youthwid condllus to t akehonestly useit ionssteps your i n andto thisAccount, recover in boo goodk letyouthat faith, wil loss.. lIf pay weW e us suffermu thest amountdoloss that because iofn thethat you interests loss do onnot demandof deal our with othe, r cusYout omersagree tahatnd shif warehoe sufferlders any. In solossm ebecause cases,w ofe: will take those stepswithout notice. byinclus honestyouudi ngor lallaynyone or legal in good aucoststhor f aith,onised a wbyfule lyouwil indel totmnak uesit estepsy yourbas is,to A ccount,evenrecover after youthat your wil lossl Accounpay.W eus must tthe is closedamountdo that. inof thetha tin lossteres onts demandof our o,t her inclcustudomersing all and lega shlcarehoostsl ders.on a Inful sl omeindemn cases,ity basiswe w, illeven take after those your steps Account without is closednotice.. 9. GENERAL INFORMATION 8.5(c) Customer any bre integrityach of the terms and conditions in this booklet, 9. GENERAL INFORMATION 9.18.5 Code(c)byCustomerWe you bel any of ioreve Bankingbrea integritynyonethaatchy ofoua Practiceuthorised the will term dea lsb witany youdh condus to hon useitionsest yourl yi nand thisAccount, in boo goodk letyou faith, wil. lIf pay we ussuffer the amountloss because of that you loss do onnot demand deal wit, h inclWuse honest udbelingieve lally thor legalat iny goodou costs wil fa lon idealth a,w fwiule lthwi inde llus t mnakehonestlyit stepsy bas andis,to evenrecover in good after that faith your loss.. IfAccoun weWe suffermut isst closeddoloss that because. in the you interests do not of deal our with othe r 9.1 BankingCodeAsby youpa rtof orof Banking Code aournyone c omof au mPracticetithormenisedtt oby c ustomeryou to u sservice,e your Aweccount, have adoptedyou will paythe Codeus the of amount Bankin gof Pra thactit lossce (CO onBP demand). This ,i s incluscus honesttudomersing lall ya ornd lega insh lclgooda crehoost sfl aith,derson a. wInfule so lwil indemnmle t akcaseseit stepsy,w basise tow, illevenrecover take after those that your lossstep A.Wswccounteithou must ist closednotdo thatice.. in the interests of our other Asa self-regu part of ourlatory com codemit mwhichentt oa imscustomer to fos tservice,er good we relations have adopted between the banks BankingCode and of BankicuCodestomer nofg PraPractices, andctice t o((BCOP).CO promoBP). tThisThe goois isisd customers and shareholders. In some cases, we will take those steps without notice. 8.5abank Customer self-reguing pract lintegrityatoryice. code which aims to foster good relations between banks and customers, and to promote good 9. GENERAL INFORMATION 8.5 Tbank CustomerWhee belCOBPingieve pract a integritypplthaticeiesy. outo wiBallnk deaingl Ser witvih cesus honprovidedestly andto customers in good faith who. If are we “ isndiufferviduals” loss because or “sma youll busi don esnotses” deal as wdefineith d 9. GENERALus honestly or INFORMATIONin good faith,we will take steps to recover that loss. We must do that in the interests of our other 9.1 CodeTWinhe eit. belBCOPCOBP ofieve Banking a pplthaties y outo Practice wilBankl dealing Serwithvi cesus honestlyprovided andto customers in good faith who. If are we “ isufferndividuals” loss because or “sma youll busi don esnotses” deal as withdefine d uscus honesttomersl ya ornd insh goodareho flaith,ders. wIne so wilmle t akcasese steps,we tow illrecover take those that lossstep..W swWeithou mustt notdo thatice. in the interests of our other 9.1 BankingCodeWin eit. wi ofll co BankingCodemply ofwi thPractice the COBP, where it applies to the banking services we provide to you. Ascus ptomersart of ourand c somharehomitmlders.entt oIn c sustomerome cases, service, we w weill takehave those adopted steps the w Codeithout of notice Banki.ng Practice (COBP). This is AsaWThe self-regue p wiCOBPartll ofco requiresourmlatoryply c omw codei thmus itthe t mwhicho en proBCOPCOBttvi oaP,de ims,wc wustomer yhereou to wifos iitth tappservice,er certain goodlilies towe relationsinformation the have ban adopted kbetweeninging.Y servicesservicesou t whe banksill BankingCode find we and providethof i sBankicuCode informastomer to nofg you PraPracticetsion, ..andcti icen tth o((BCOP).CO promois bookBP). tThisThleet gooi.s isisd 9. GENERALbanking pract iINFORMATIONce. 9. GENERALaTInhe self-regu par COBPticul ar,requireslatory you INFORMATION codew usill findt whicho pro invifor adeimsm yatou tioon wifos regardingthter certain good: relationsinformation between.You w banksill find and thi scu informastomertsion, and in ttho promois booktleet goo. d 9.1 CodeTbankInhe par COBPi ngtiofcul practBanking ar,appl youiceies. wto Practiceil lBa findnkin ingfor Sermviatcesion provided regarding to: customers who are “individuals” or “small businesses” as defined in it. 9.1 CodeAsBankingThe p BCOPCOBPa rtof of BankingCode aourppl ci esomof to mPractice itBamnkeninttgo Ser customervices provided service, to we customers have adopted who arethe “Codeindiv iduals”of Banki orn g“sma Pralctil busice (COnesBPses”). Thasi sdefine is d in it. AsaW self-regue p wiartll ofco ourmlatoryply c omw codeithm itthe mwhichen COBttt t oaP, imsc wustomerhere to fos it tappservice,er goodlies towe relations the have ban adopted kbetweening services the banks BankingCode we and provideof BankicuCodestomer to nofg you PraPractices, .andctice t o((BCOP).CO promoBP). tThisThe goois isisd banking practice. aWThe self-regue wiCOBPll co requiresmlatoryply w codei thus the t whicho proBCOPCOBvi aP,deims,w w yhereou to wifos iitth tapper certain goodlilies to relationsinformation the ban kbetweeninging.Y servicesservicesou w banksill find we and providethi scu informastomer to youtsion, ..and in ttho promois booktleet goo. d banking practice. TInhe par COBPticul ar,arequiresppl youies wto usil lBa findtonk proin ingvifor Serdem yviatoucesion wi provided regardingth certain to: informationcustomers who.You are wi ll“ ifindndiv iduals”this informa or “smationll busiin thniess bookses” laset .defined TinInhe ipart. BCOPCOBPticul ar,appl youies wtoil lBa findnkin ingfor Sermviatcesion provided regarding to: customers who are “individuals” or “small businesses” as defined inW eit. will comply with the COBP, where it applies to the banking services we provide to you. WThee wiCOBPll co requiresmply wi thus the to proBCOPCOBviP,de, w yhereou wi iitth app certainlilies to information the bankinging.Y servicesservicesou will find we providethis informa to yoution.. in this booklet. 9.2TIn ePaymentshe par COBPticul ar,requires Codeyou w usill findto pro invifordem yatouion wi regardingth certain: information.You will find this information in this booklet. 9.2 WIn ePayments epar witillcul coar,mply Codeyou w withill thefind E FTinfor Codemat ofion Co regardingnduct, w:here it applies to the Banking Services we provide to you. This Wcodee wiw governsillll compcocompmply lylayll witw eilecthh tronthethe ePaiEcFT fuyme Codendsn tts ransferof c odeCon duct duwhtransact,ich,w w rchereegtionsula itites tto appliesappl orconsu ifromes tomer yourthe el ectBankingBan Acrconikountingc paServicesSer,wymehicvicesnth youtrawens provideprovcarryactideons out to, int hroughyou.cludin Thig ans y codeEATM,lect ronic governsEFTPOS Equipment andll electrone crlecedtron,uit singcardic fu antrandsnds Elns ectron ttraaransferctnsferionis,c transatransactionsAconlicessnec pationsMethodyme tonts, .or in fromtern etyour and Ac mobicountount,le ,w bawhihicnkichhn g,you and carry BPAY. out tthroughhrough any Electronic EEquipmentquipment,,u ussinging an EEllecectrontronicic AccessAccess Method.
9.29.3 !NTI MONEY LAUNDERING ECONOMIC AND TRADE SANCTIONS ePayments Code 9.3 Anti money laundering 9.2W ePaymentse cwianll delcomay,ply Code bloc withk or the ref EuFTse Code to m akeof Co a npaymentduct, where if we it beappllieviese onto reasonabthe Bankingle ground Servicess that we makprovideing ato paymen you. Thits ma y breaWe ccahn a deladelny ay,lay,w bbloc locin Austrk or refaliause or t oany mam akeotherke a paymenpaymentcountryt, andif wwe ew bee willievl eincur on reasonab no liabililety groundsground to yous i fthat it does mak so.ing a paymentpayment may Wcodee wiw governsillll compco compmply lylayll witw eilecthh tronthethe ePaiEcFT fuyme Codendsn tts ransferof c odeConduct duwhtransact,ich,w w rchereegtionsula itites tto appliesappl orconsu ifromes tomer yourtheel ectBankingBan Acrconikountingc paServicesSer,wymehicvicesnth you trawens provideprovcarryactideons out to, int hroughyou.cludin Thig ans y codeYEbrebreaATM,lecoua tchmc ronicgovernsh EFust anyaTPOSny provideEquipment lala wandll ini nelectrone crlecalAAustredustrl troni,unformitalsing cardiiac fuat oran trandsnion anads Elnsny yectron ttratoa ransferotherct usnsferion whiis, ccountrc ountrtransatransactionsAcochnlic essnewyec, pationsreasonabMethodandyme w tonets, .wwilorl yillin fromlrequ teincurrn ietyourre no atond liabill Acicompab mobiciliountount,itylyle ttow,wo bawhi iyouthhicnki chany hniiff g,you iit tlaaws doesnd carry B in PAY.so.so Au out. stral tthroughhroughia or an anyy other country. We can disclose information which you provide to us where required by any laws in Australia or any 9.2EY ePaymentslecou tmronicust provprovideEEquipmentquipment Codeide aalllli i,,unformanform ussingingat antiionon EEllec ectrontotron uussw whiicichich AccessAcchc esswe reasonabMethod. ly require to comply withith any lalawsws in AustralAustralia or any 9.3 Antiother moneycountrcountry.y. laundering We cancan disciscloselose iinnforformamattiionon wwhihichch you provideprovide to uussw where requiredrequired bbyy any lawawss in AAustraustralia or any 9.2W ePaymentse will comply Code with the EFT Code of Conduct, where it applies to the Banking Services we provide to you. This 9.3 AntiUnlessother moneycouncountr you try.hy. alaunderingve disclosed that you are acting in a trustee capacity or on behalf of another party, you warrant that Wcodee wicw agovernsillnll delcompco compmay,ply lyl ayblocll witw eilecthkh or trontheth refe ePaiEcuFT sefuyme Code ndsto nm tts ransferakeof c odeCo a npaymentduct duwhtransact,ich,w w rchereeg tionsifula we itites t to beappliesappl orclieonsu vifromese ontomer yourreasonabtheel ectBankingBan Acrconikountinglec ground paServicesSer,wymehicvicessnth that you trawens makprovideprovcarryactiingdeons out ato, intpaymen hroughyou.cludin Thigt ans ma y y youUnless are youy aouct ihhangavev one disd iyscourcllosed ow nththa behaattyyoulf iareanre entering aaccttiingng ininto a trusteethis agreement ccapacityapacity. or on behabehalflf of another party, you warrant that codebreaWEATM,lece ctc ronicagovernsh EFn a TPOSdeladelny Equipment ay,lay, wa bblocndll loci nelectrone crlecAustrk edortron,uit refalsing cardiiacu se fu oran trandsnt oads Elnsny mam ectron ttraa ransferakeotherctkensferion a is, paymenpaymentcc ountrtransatransactionsAconlicessneyct, pa tionsMethodandif ymewwe ew tobenets, .wilorlie in vfroml eteincur onrn et yourreasonab no and lAciab mobiciliountount,lety legroundsground t,wo bawhi youhicnkichs hni fthat g,you i ta doesnd makcarry B PAY.so.ing out a tthroughpaymentpaymenhrought an may y44. 9OU REPRESENT AND WARRANT TO US THAT YOU WILL NOT DO OR OMIT TEYbrebrealecoua tchmcronichust anyany provideEEquipment lalquipmentaw inin alAAustrustrli,,unform usalsingingia at oranion ana EElnylec yectronto othertron us whiici ccountrc ountrAccessAcchc esswye, reasonabMethodand we .wwillyill lrequ incurO DO ANYTHING THAT WOULD CAUSE US TO BREACH ANY ire no to liabill icompabiliityly ttowo iyouth any iiff iit tlaws does in so.so Au. stralia or any 44. LAWS IN !USTRALIA OR ANY OTHER COUNTRY 9.3 AntiotherYou m moneycountrust provprovidey. launderingi Wdee aalclanlli informanform discloseattiionon in formato uussw tiwhionhichch whi wceh reasonab you provlidey requ to iuresw tohere comp requiredly withith banyy any lalawsw laws ins AustralAuin Astralustraia loria anor yan y 27588 BOQ G611 Saveother tocountr Win y.Acct Fin Svcs Guide.indd 46 17/10/11 9:03 AM 9.3W Antiothere c a moneycouncountrn deltry.ay,y. laundering bloc We canckan or drefiscisculoselseose t oiinn mforformaakem atati ionpaymenton wwhihichch if you we providepro belvieideve toon uus reasonabsw where requiredrequle groundired bbysy that any maklawawssi ngin AAustraa ustrapaymenlia ort ma any 27588 BOQ9.4 G611 Save Ifother you tocouncountr have Wintry. y.Accta problem Fin Svcs or Guide.indddispute 46 17/10/11 9:03 AM breaWUnlesse ccahn ya deladelouny ay,hlay,aw vebbloc loci ndis Austrkcl orosed refaliau thse orat t oayny oumam akeother areke a a paymenpaymentctcountring iny t,a andif trustee wwe ew bee wil lcieapacityvl eincur on reasonab orno onliab behaililety groundsground ltf oof you anothers i fthat it does makpart so.ying, you a paymentpaymen warrantt thamayt Unless youyou hhaaveve disdisccllosed ththaattyyou areare aaccttiingng in a trustee ccapacityapacity or on behabehalflf of another party, you warrant that Ybrebreaoua chmchust anyany provide lalaw inin alAAustrustrlinformalia atorion anany yto other us whi countrcountrch wye, reasonaband we wwillyill lrequ incurire no to liabill icompabiliityly ttowo iyouth any iiff iit tlaws does in so.so Au. stralia or any 44. (a) Our Service Commitment otherYou m countrust provprovidey.i Wdee aalclanlli informanform discloseattiionon in formato uussw tiwhionhichch whi wceh reasonab you provlidey requ to iuresw tohere comp requiredly withith banyy any lalawsw laws ins AustralAuin Astralustraia loria anor yan 44.y Atother BOQ countrcoun wetry. arey. Wcoemmitt cancan dediscisc loseltoseo prov iinnforformaidimngat tiourionon customers wwhihichch you wprovideproithvide innovative to uussw where banking requiredrequ solutionsired bbyy any and lawaws thes in best AAustraustra customelia or ran y service experience. 27588 BOQ G611 SaveUnlessother tocouncountr y ouWin try.h y.aAcctve dis Fincl osedSvcs thGuide.inddat you are a46cting in a trustee capacity or on behalf of another party, you warrant that 17/10/11 9:03 AM 27588WIN0075396 BOQ G611 BOQ SaveIfUnless G611 at a tony Saveyouy Winou tim hha etoaAcct vevour eWin disd Finisersc clPDSl viosedSvcsce FSG_A5.indd doe ththaGuide.inddatsntyyotou m areareee ty aac 4646cttiouringng expectatin a trusteeions ccapacity weapacity would or likeon behabehalfyou tolf oflet another us know. part Resolutiony, you warrant of problem that 17/10/11s 3/9/19 5:519:03 pmAM 44. is a priority to us as it gives us the opportunity to improve our service. 44.
27588 BOQ(b) G611 SaveHow to Wincontact Acct Finus? Svcs Guide.indd 46 17/10/11 9:03 AM 27588 BOQ G611 SaveThere toare Win a number Acct Fin of Svcs ways Guide.indd to contact us46: 17/10/11 9:03 AM (i) Contact your local branch manager. Our managers are always willing to listen to your suggestions about our products and services and they will do their best to address any concerns immediately. (ii) Our Customer Service Centre can be contacted on 1300 55 72 72 from 7.00am to 7.00pm, 7 days per week. (iii) Contact our Customer Relations Department via: Email [email protected] Telephone: (07) 3212 3206 Fax: (07) 3212 3286 Mail: Customer Relations, Reply Paid 2258 Brisbane Qld 4001
(c) How will your complaint be handled? If we cannot solve your problem on the spot, we will let you know within 48 hours who is handling your complaint and how long it is likelyto take for it to be resolved. We aim to resolve all complaints within 5 Bank Business Days. If this is not possible we willkeep you informed on our progress. Please note we comply with the ePayments Code, complaint investigation and resolution procedures in connection with ElectronicTransactions to which the ePayments Code applies. If your complaint cannot be resolved promptly, BOQ Customer Relations Department will take responsibility and work with you to resolve the matter.
(d) What to do if you feel your complaint has not been resolved If you remain dissatisfied with the outcome and you would like an independent review of the complaint and the result, you can refer your complaint to: The Australian Financial Complaints Authority (AFCA): GPO Box 3 Melbourne VIC 3001 Phone: 1800 931 678 Fax: (03) 9613 6399 Website: www.afca.org.au The Australian Securities & Investments Commission (ASIC) also has an information line: 1300 330 630. You can use this number to make a complaint and obtain further information about your rights. For further information on solving problems and disputes please ask at any branch for our “We would like to know” brochure.
45.
27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 47 17/10/11 9:03 AM 9.4 If you have a problem, complaint or dispute
(a) Our Service Commitment At BOQ we are committed to providing our customers with innovative banking solutions and the best customer service experience. Resolution of problems is a priority to us. If at any time our service does not meet your expectations we would like you to let us know.
(b) How to contact us? If you have a complaint, there are a number of ways to contact us: (i) Contact your local branch manager or Business Banker. (ii) Call us on 1300 55 72 72, 24 hours a day, 7 days a week . (iii) Complete the online complaints form at www.boq.com.au/feedback-and-complaints (iv) Contact our Customer Relations Department via:
Email [email protected] Call: 1800 663 080 Write to: Customer Relations, Reply Paid 2258 Brisbane Qld 4001
(c) How will your complaint be handled? If we cannot solve your problem on the spot, we will let you know who is handling your complaint and how long it is likely to take for it to be resolved.
For further information about how we handle complaints, ask our friendly staff for a copy of our Complaint Guide or alternatively download a copy available on our website.
Please note we comply with the ePayments Code, complaint investigation and resolution procedures in connection with Electronic Transactions to which the ePayments Code applies.
(d) What to do if you feel your complaint has not been resolved If you're unhappy with our response you can approach the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent complaint resolution service for financial services. To contact them you can:
Call: 1800 931 678 Email: [email protected] Online: www.afca.org.au Write to: GPO Box 3 Melbourne VIC 3001
The Australian Securities & Investments Commission (ASIC) also has an information line: 1300 330 630. You can use this number to make a complaint and obtain further information about your rights.
45. 9.5 Changing your details If your address or other details change, you must let us know as soon as possible. You can change many of your details simply by calling our Customer Contact Centre on 1300 55 72 72 from 7.00 a.m. to 7.00 p.m. 7 days per week or by visiting your local branch. If you want to change the signatories on your Account, you must visit one of our branches.
9.6 Contacting you From time to time we will contact you or send you information about products and services that we think you might be interested in. Please tell us if you do not wish to receive this information.
9.7 Privacy and confidentiality You can ask us for a copy of our Privacy Policy at any time. Our “Privacy Policy” sets out how we deal with any personal information that we hold about you. The “Privacy Notification and Consent Form” you receive when you open your Account provides you with more information about how we use your personal information.
9.8 The relationship between banker and customer The relationship between a bank and its customer (including the relationship between you and us) has been defined by a number of court cases. Set out below are some of the terms which are implied into any contract between a bank and its customer. You should be aware that the specific terms and conditions applying to our banking services (as defined in the BCOP)COBP) may alter these implied terms, and may add new or additional terms. The terms that apply to your Account with us are set out in this booklet, the Save to Win Account™ Promotion Terms and Conditions, the Personal Deposit - Interest Rates and the Electronic Banking Terms and Conditions. Terms implied into the contract between banker and customer Following are some of the terms that are implied into the contract between a bank and its customer in addition to those in your contract for your Account, unless the terms and conditions of the particular Account state otherwise:
(i) Our duties: s Opening accounts – we owe a duty of care to you in opening accounts to make proper enquiries to ensure accurate identification of you and verification of account details. s Duty of secrecy – we have a duty of secrecy to you with respect to the transactions which go through your account. However, this duty is not absolute and is subject to certain qualifications. For example, we may disclose information where you have expressly or impliedly consented or as required by law. s Financial advice – we must exercise care and skill when providing financial advice to you as part of or incident to, the banking services we offer. s Safe custody – if we accept your items for safe custody, we owe a duty to return them to your at the end of the safe custody period. s Bankers’ opinions or references – we have a duty to exercise reasonable care and skills in providing reference on your credit worthiness to another bank. s Conform with your mandate – due to the debtor/creditor nature of your relationship with us, we are bound to conform strictly with your mandate which may be issued in the form of a cheque or some other written order including a passbook or withdrawal slip. Unless otherwise agreed, we are specifically obliged to repay an amount on demand at the branch where the Account is located. s Question a valid mandate – while we are subject to the primary duty to repay on demand an amount due to you, this is conditional upon our duty to question a request for payment. We will do this in circumstances which raise a serious or real possibility that fraud is being committed on the Account. s Issuing correct statements – we are under a duty to keep accurate accounts. This duty is subject to our entitlement to reverse errors which you know or should have known existed (although you are not under an express duty to read statements and discover and report forgeries). s Appropriating payments into accounts – we can allocate a payment at our discretion unless you have clearly asked the payment to be used for a special purpose or a particular Account. 46.
27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 4848 17/10/113/9/19 5:519:03 pmAM (ii) Your duties: • Clear instructions – your instructions on payment of funds must be clear. • Minimising the risk of forgery – you must exercise reasonable care in making out cheques so that we are not misled and forgery is not facilitated. You must notify us of any forgeries (including unauthorised transactions on your account) known to you. You generally do not have a duty to inspect statements to discover forgeries, although you are generally obliged to read your account statements and notify us of any entries which you believe are unauthorised. • Care of methods of accessing your Account – if you are given a cheque book, you must take care of it. If you access your account electronically, you are likely to have specific obligations relating to the security of any equipment (such as Cards) or security codes (such as a PIN). 9.9 Financial Claims Scheme As an account holder you may be entitled to a payment under the Financial Claims Scheme depending on your circumstances. Payments under the Financial Claims Scheme are subject to a limit for each account holder. Further information about the Financial Claims Scheme can be obtained from the FCS website at http://www.fcs.gov.au.
10. DEFINITIONS Account means a Save to Win Account™. Account Access Card is a Card which can be used to operate your Accounts using Electronic Equipment. Account Maintenance Fee* means a set fee charged if the balance falls below the required Minimum Monthly Balance. This fee will not be charged in the month your account is opened. If there is insufficient funds in your account to cover this fee, we will debit your account, but no overdraw it, and the balance of the fee will be carried forward to the last day of the month in which sufficient credit funds are available. Accrued Moneys means the sum of the Daily Prize Payout Amount for each day during the calendar month two (2) months prior to the relevant Drawing Date set out in section 2.9 of the Save to Win Account™Promotion Terms and Conditions and any amounts in accordance with section 2.8(d). Additional Cardholder is an Authorised User to whom we have issued a Card. ATM means an automated teller machine owned by us or somebody else (as the context requires). ATM/EFTPOS Withdrawal/Transfer Fee* is a fee charged for cash withdrawals or transfers through BOQ ATMs and EFTPOS transactions. ATM Operator is an organisation that owns, leases or operates an ATM other than a BOQ ATM. ATM Operator Fee is a fee charged by the ATM Operator as disclosed on the ATM screen at a point in the transaction which allows the cardholder to opt-out of the transaction without incurring any charge. The ATM Operator Fee includes Balance Enquiries. Authorised User Means a person authorized by a customer to transaction on the customer account. Balance Enquiries is a non-BOQ Balance Enquiry, being a request for an account balance conducted through a non-BOQ ATM. Bank Business Day is any day on which BOQ is open for business. Beneficial Owner means the individual or individuals who ultimately owns or controls (directly or indirectly) a customer. Control includes control as a result of, or by means of, trusts, agreements, arrangements, understandings and practices, whether or not having legal or equitable force and whether or not based on legal or equitable rights, and includes exercising control through the capacity to determine decisions about financial and operating policies; and Owns means ownership (either directly or indirectly) or 25% or more of a person. BOQ Balance Enquiry means all balance enquiries in-branch, through BOQ ATMs, Internet banking and EFTPOS. Banking Services means the Account and Payment Services described in this document. BOQ ATM means a BOQ branded ATM and includes an ATM belonging to the rediATM network. BOQ is a participant in the rediATM network. BPAY Payment is any payment made through BPAY. BPAY is an electronic scheme through which you can ask us to make payments on your behalf to Billers who tell you that you can make payments to them through BPAY. You may use BPAY through Internet Banking. BSB is a code which identifies the bank and branch at which an account is held. BSB stands for Bank/State/Branch. For example, BSB 124-001 is Bank of Queensland (12) located in Queensland (4), being branch number 001.
47.
WIN0075396 BOQ G611 Save to Win PDS FSG_A5.indd 49 3/9/19 5:51 pm Business Day is any day on which banks in Melbourne or Sydney are able to effectsettlement through the Reserve BBusiankne ofss A Daustry alia.is any day on which banks in Melbourne or Sydney are able to effectts settlement through t he Reserve Bank of Australia. Card is any card, issued to you by us which can be used to operate your Account using Electronic Equipment. Card is any card, issu ed to you by us which can be used to operate your Account using Electronic Equipment. Code is a PIN, Personal Access Code, Value Authorisation Code or any similar information which may be required in Corderode itos aa ccePIN,s sP yoersourn Aalcco Acceuntsss aCodend w, hichValu eyo Auuathorire reqsatiuionred Code to keep or a snecrey similart. in formation which may be required in order to access your Accounts a nd which youua are required to keep secret. Credit Cards means the BOQ credit card issued by Citigroup Pty Ltd ABN 88 004 325 080. Credit Cards means the BOQ credit card issued by Citigroup Pty Ltd ABN 88 004 325 080. Customer is the account holder (if an individual) or the person who is authorised to act solely on behalf of the Caccoustounmert ho ilsder the (if acco a company).unt holder (if an individual) or the person who is authorised to act solely on behalf of the account holder (if a company). Daily Closing Balance means the balance of funds received in an Account as at the end of processing for that day anDaidly su Closinbject tog Balancsectione 2.10(hmeans) tofh eth bealSaanvece toof Winfunds Acco recunteived inPromo an Accoution Tnermt ass aatn thd Coe enditionsnd of proces. sing for that day and subject to section 2.10(h) of the Save to Win Account Promotion Terms and Conditions. Daily Prize Payout Amount is the amount calculated as follows (negative account balances will be excluded from thDaie lydai Prizely pa Pyouayoutatmo Amountun): t is the amount calculated as follows (negative account balances wi ll be excluded from the daily payoutta amount):
Sum of the Daily Closing Balance of 25% of the RBA Target Cash Rate applicable on that X 25% of the RBA Target Cash Rate applicable on that Sumeach of Accountthe Daily open Closing on thatBalance day of X day each Account open on that day day 365 days 365 days Drawing Date means the relevant dates as set out in section 2.9(e) during the Promotion Period when the winners ofDra thwine Pgri zeDa Paymete meannts thwiell relevabe detnter mined.dates a sNo set dr oautw inwi llsec tatikeon pl 2.9ace(e d) urinduring gt hteh efirs Promot monthtion of Peri thode Promo when tionthe wi Period.nners Draof thwine Pgri zeDa Paymete meannts thwiell relevabe detnter mined.dates a sNo set dr oautw inwi llsec tatikeon pl 2.9ace(e d) urinduring gt hteh efirs Promot monthtion of Peri thode Promo when tionthe wi Period.nners ofEasy thPhe Ponerize BPaymeankingnt sme wiansll be o uder tterelephomined.ne No ba nkindrawg wiserllvi taceke usin plagce th deurin natgura thle la firsngut moagenth voi ofce trecoghe Promonitiontion sys Period.tem EwhichePasyaymPh enoneatsblesB Codan yokingeu, ha mevinansg e onuteredr telephoin secneurit baynkin detgails ser, tovice effec usintg tr thanse acnattiouransl olann Noguminatage voiedce Acco recogunnitionts by s syspeteakinmg the whichePreqaymues tsen cleatsbles aCodrly yo eint uis,o ha ththevine epgPhon aymententerede an dcodein respo sec puritndinubliysh gdet edtoails thbye , the toprompt effec Auststralian gi transven. Sacecutiorinsti eson and Nominat Investmeed Acconts Cunommissiots by spen.aking the requests clearly into the phone and responding to the prompts given. EFTPOS means an electronic funds transfer service available at point of sale. ePEFTPOSaymentsmean Codes an electronic funds transfer service available at point of sale. EFTPOS Withdrawal Fee* means a fee charged for EFTPOS transactions on your account. EFTPOS Withdrawal Fee* means a fee charged for EFTPOS transactions on your account. Either to Operate Account is a joint Account where each Account holder can transact under the Account EFTPOS means an electronic funds transfer service available at point of sale. Eitindependeher to Ontpe ofra thtee Aotccheroun Accot isunt a joi holnt der(Accos)unt and wh wieretho eautc reh striction.Account holder can transactunder the Account EFindependeTPOS Witnt hdof rathwe alot hFeree* Acco meauntns ahol feeder( chas)rged and wiforth EoFTPOSut restriction. transactions on your account. Electronic Access Method is a method that you use to instruct us to debit or credit an Account through Electronic EitEleEquihectrpmenroni to ctO , Accepeanrad wsteshich MAccet reqohodunuitisresis a a yomet joiunt htoodA uscco thate aunt Cyoa whrdu ,us ereIdee ntitoeafiers,c insh trAccouct Codeuntusst horoolder decobimbinatiot ca orn cre tradinsnsat anofct tAccouhese.nderun Ittht doe et hAccouros ughnotnt inElectrocludenic a inmeEquidependethpmenod thatn, tan ofredqui thwehichres ot youh reqer Accotuiores signunt yo aut holvooucherder( uses) a, arecCnadrdei wipt, Ideth oronti utotfiers, herrestriction. doc Codeumes ornt co(formbinatio examplens, ofwh tenhese. you It pre doesens nott yo inurcl Creudedita method that requires you to sign a voucher, receipt or other document (for example, when you present your Credit Card and sign a voucher to pisay a formet goodhod sthat or syoerviucesuse). to instruct us to debit or credit an Account through Electronic CaElerdctr anonid csign Acce a voss uchMeterhod to pay for goods or services). EleEquictrpmenonict , Eanquipmentd which reqis anui reselec yotroutnioc usteremi a naCal,rd comp, Identiutfiers,er, tele Codevisios n,or telep comhonbinatioe orns simila of these.r equi Itpme doenst notand ininclcluudedeas ouElemerthctr brodaoninc thach Etet quipmentrellerqui terresmi younaisls ant,o o elecsiugnr ATMst roa voni,cucher ATMs termi, recnaof l,otei comppther or fi utonanterher,cial t eledoc ivisionsutitutiomen,n ttelep (forns, honEFTPOSexaemple or tsimilaer, whminalenr eqyos uianupme pred ansnenyt oantth yoderu in r clCreudedits ouCaauthorirrd br anancsedd hsign electroteller a vo tnieruchcmi tererna mitols, na poauly ror forATMs de goodvi,ce ATMs sco ornn sofecer otvitedcesher to). fi onanur eleccialt insronititutioc banns,kin EFTPOSg system ter fromminal tisme an tod a time.ny other authorised electronic terminal or device connected to our electronic banking system from time to time. Electronic ETraquipmentnsactionis isan a trelecansfertroni ofc terfunmidsna initil, compated utbyer an, t eleinsvisiotructionn, telep youhon givee orth similaroughr E eqlectrouipmenicn Eqt anuidpme inclntu des ouEleusinrctr brg anaoninc Echlectro Tterallernsacni tcer tionAcceminaisatrssls ,Met ouanrh ATMssferod t oof, deATMs funbitds orof initi creothatditered anfi bynan Acco ancialiunns instrt auctiontitutiond incl ns,you deuEFTPOS gis, vefor t h exatroerughminalmple: Electros and nianc yEq ouithpmeer nt auusinthorig ansedElectro electronicni Accec terssmi Metnal orhod de tvioce de cobitnn orec creteddit toan ou Accor elecuntrot niandc b inanclkinudeg ssys, fortem exa frommple: time to time. Electronic Transaction isatransfer of funds initiated by an instruction you give through Electronic Equipment using an Electronic Access Method to debit or credit an Account and includes, for example:
Eligible Account means a Save to Win Account™ open for the whole of the relevant calendar month, holding Eligiblea Minimu Accm Moountnth mely ansBalana Scea veof tAU$o Win250 Acco andunt™ not wiopethn BO forQ th Freau whd olefor ofan yth dea relevy durinangt calethatn relevadar montnth ca,le holndarding month aor Minimuclosed bym Moyounth prilyor B talo anthcee e ofnd AU$of th250e pre anvidou nots mo wintthh. BOQ Fraud for any day during that relevant calendar month or closed by you prior to the end of the previous month. Eligible AccEntrounty me anmesans an aent Saryve a st ode Winscri bedAcco inunt™ secti opeon n2.7 for of th the ewhSaveole toof Winthe relevAccoanuntt cale Promondar tionmonth Term, hols dingand Conditions. aEligible Minimu Emntr Moy menthanlys Banal anentcery of a sAU$ descri250bed anind notsecti wionth 2.7 BO ofQ FrthaueSaved for toan Winy da yAcco durinungt t ha Promot relevationnt cTermalensadarnd mo Conthnditions. Identifier is information that you provide through Electronic Equipment to access your Accounts and which you are or closed by you prior to the end of the previous month. Indenot reqtifieuirredis intofor keepma tisonecre that (fort yo example,u provide yo throur ughAcco Euntlectro nunimberc Equi). pment to access your Accounts and which you are nEligibleot requi Eredntr toy me keepan ss ecrean etnt (forry a example,s described youinr secAccotionunt 2.7 nu ofmber the).Save to Win Account Promotion Termsand Conditions. Intermediate Prize Payment means the amount determined in accordance with section 2.8(c)(ii) of the Save to Win AIIntedenccormetiufientdi r atis PromoePrizeP informationtiaym onTer thaments tan meayodu Con nspro tditivihede ona motshro. untugh deter Electrominniedc inEqui accordpmenant tceo accewithss sec yotionur Acco 2.8(c)un(ii)ts of and the whichSave yo tou Win are Anotcco requntuired Promo to keeption s ecreTermt s(for an dexample, Condition yos.ur Account number). IntermediatePrizePayment means the amount determined in accordance with section 2.8(c)(ii) of the Save to Win Account Promotion Terms and Conditions. 48. 48.
27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 50 17/10/11 9:03 AM 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 5050 17/10/113/9/19 5:529:03 pmAM InternetBusiness BankingDay is any is dayour Interneton which banking banks i nservice Melbourne which or enables Sydney you, are havingable to enteredeffect settlement in security throughdetails, tothe effect Reserve transactionsInternetBankBusiness of Austral BankingDay onis i youraany. is dayourNominated Interneton which Accountsbanking banks i n serviceusing Melbourne the which Internet. or enables Sydney For you, termsare havingable and to conditions enteredeffect settlement in securityapplying throughdetails, to Internet tothe effect ReserveBanking, refertransactionsBank toof ElectronicAustral on iyoura. Banking Nominated Terms Accounts and Conditions. using the Internet. For terms and conditions applying to Internet Banking, referCard tois anyElectronic card, i ssuedBanking to youTerms by andus wh Conditions.ich can be used to operate your Account using Electronic Equipment. Internet Card is any Banking card, i ssuedand EasyPhone to you by us Banking which can Transaction be used to History operate Enquiry your Account means allusi ngtransaction Electroni chistory Equipment enquiries. throughInternetCode is a Internet Banking BankingPIN, Personal Banking andTransaction EasyPhoneAccess and EasyPhoneCode, History Banking Value Enquiry Banking. Author Transaction meansi sation allCodeHistory transaction or Enquiryany sim historyi larmeans informat enquiries all transactionion wh throughich historymay Internet be enquiries requ iBanking.red in through Code is aInternet PIN, Personal Banking Access and EasyPhoneCode, Value Banking. Authorisation Code or any similar information which may be required in Internetorder to accessBanking your Multi Accounts Payment and Fee*which is youa fee are charged required where to keep you secret make. a Multi Payment using Internet Banking. Internetorder to accessBanking your Multi Accounts Payment and Fee*which is youa fee are charged required where to keep you secret make. a Multi Payment using Internet Banking. InternetCredit Cards Banking means Single the BOQ Pay credAnyoneit card Fee issued means by a Cfeeitigroup charged Pty when Ltd ABN you 88 make 004 a 325 Single 080 Pay. Anyone Payment using InternetCredit Cards Banking means Single the BOQ Pay credAnyoneit card Fee issued means by a Cfeeitigroup charged Pty when Ltd ABN you 88 make 004 a 325 Single 080 Pay. Anyone Payment using Internet Banking.is the account A Single holder Pay Anyone (if an i ndPaymentividual) is or a thetransfer person of fundswho is to author an accountised to atact another solely on financial behalf institutionof the InternetCustomer Banking. A Single Pay Anyone Payment is a transfer of funds to an account at another financial institution orCustomeraccount a 3rd partyholderis the BOQ ( iaccountf a Account. company) holder . (if an individual) or the person who is authorised to act solely on behalf of the or a 3rd party BOQ Account. Internetaccount holderBanking (if aandTransfer company) EasyPhone and. BPAY Banking Fee* Transferis a fee charged and BPAY for Fee* transfers is a fee between charged Nominated for transfers Accounts between or BPAY InternetDaily Clos Bankinging Balance and meansEasyPhone the balance Banking of Transfer funds rece andived BPAY in an Fee* Account is a fee as chargedat the end for of transfers process ibetweenng for that day PaymentsNominatedDaily Clos iusingng Accounts Balance Internet or means BPAY Banking. Paymentsthe balance using of funds Internet rece orived EasyPhone in an Account Banking. as at the end of processing for that day Nominated and subject Accountsto section or 2 .BPAY10(h) Paymentsof the Save using to W Internetin Account or EasyPhone Promoti onBanking. Terms and Conditions. Majorand sub Prizeject toPayment section means2.10(h) the of theamount Save determinedto Win Account in accordance Promot iwithon Terms section and 2.8(c)(i) Condit iofons the. Save to Win MajorDaily Pr Prizeize Payout Payment Amount meansi sthe the amount amount determined calculated inas accordancefollows (negat withive section account 2.8(c)(i) balances of thewill Save be excluded to Win from Account™Daily Prize Promotion Payout Amount Terms andis the Conditions. amount calculated as follows (negative account balances will be excluded from Account™the daily payout Promotion amount) Terms: and Conditions. Merchantthe daily payout is a provider amount) of: goods or services who allows you to pay for goods or services to be effected by Merchantperforming is an a providerElectronic of Transaction. goods or services who allows you to pay for goods or services to be effected by performing an Electronic Transaction. MinimumSum of theMonthly Daily ClosBalanceing Balance means anof Account’s lowest Daily25% Closingof the RBA Balance Target in aCash particular Rate applmonth.icable on that X 25% of the RBA Target Cash Rate applicable on that MinimumSumeach of Account theMonthly Daily open ClosBalance ionng thatBalance means day anof Account’sX lowest Daily Closing Balance in a dayparticular month. Minoreach Prize Account Payment open means on that the dayamount determined in accordance with section 2.8(c)(iii)day of the Save to Win MinorAccount™ Prize Promotion Payment Terms means and the Conditions. amount determined in accordance with section365 2.8(c)(iii) days of the Save to Win Account™ Promotion Terms and Conditions. 365 days NominatedDrawing Date Account means isthe a Bankrelevant of Queensland dates as set account out in sect thation you 2.9(e) have dur nominateding the Promot in writing,ion Per andiod wewhen have the approved, winners NominatedforDraw accessing Date using Account means an Electronic isthe a Bankrelevant Access of Queensland dates Method, as set subjectaccount out in tosect that approvalion you 2.9(e) have limits dur nominated.i ng the Promot in writing,ion Per andiod wewhen have the approved, winners for of the access Prize using Payments an Electronic will be determAccess iMethod,ned. No drawsubject w itoll take approval place limits during. the first month of the Promotion Period. Otherof the PrBankize Payments ATM Withdrawal will be determ Fee/Otherined. No Bank draw ATM will Balance take place Enquiry during Fee* the firstis a fee month charged of the by Promot BOQ forion each Period. OtherwithdrawalEasyPhone Bank orBank ATM balanceing Withdrawal means enquiry our you Fee/Othertelephone make through bankBanking ATM non-BOQ serv Balanceice us ATMs.ing Enquiry the natural Fee* language is a fee charged voice recogn by BOQition for system each withdrawalEasyPhonewhich enables orBank balanceyou,ing hav means enquirying entered our you telephone makein secur through bankity detaing non-BOQ ils,serv toice effect us ATMs.ing transact the naturalions onlanguage Nominated voice Accounts recognit ibyon speaksysteming the Overseaswhich enables bank you, ATM hav Balanceing entered Enquiry in secur Fee*ity means detai ls,a fee to effectcharged transact when ianons ATM on Nom balanceinated enquiry Accounts is made by speak outsideing ofthe Australia. requests clearly into the phone and responding to the prompts given. Overseasrequests clearly bank ATMinto theBalance phone Enquiry and respond Fee* imeansng to the a fee prompts charged given when. an ATM balance enquiry is made outside of Australia. OverseasePayments bank Code ATM Withdrawal Fee* means a fee charged when an ATM withdrawal is made outside of Australia. Overseas bank ATM Withdrawal Fee* means a fee charged when an ATM withdrawal is made outside of Australia. OwnerePayments Managed Code Branch means a branch of the Bank of Queensland that is owned and operated by an independent Ownerthird party Managed as our authorisedBranch means representative. a branch of the Bank of Queensland that is owned and operated by an independent third EFTPOS party means as our an authorised electronic representative.funds transfer service available at point of sale. OwnerEFTPOS Manager means an means electron theic manager funds transfer of an Ownerservice Managedavailable atBranch. point of sale. EFTPOS Withdrawal means Fee the* means manager a fee of charged an Owner for Managed EFTPOS transact Branch.ions on your account. Owner Manager means a fee charged for EFTPOS transactions on your account. PaymentEFTPOS W Serviceithdrawal includes Fee* any of the services described in section 3. PaymentEither to ServiceOperate includes Account anyis aof j otheint servicesAccount described where each in section Account 3. holder can transact under the Account PINEindependentither is your to Operate personal of the Account otheridentification Accountis a jo numberiholder(s)nt Account that and where is w usedithout each in restr conjunction Accountiction. holder with canyour transact Card to underenable the you Account to access your PINNominatedindependent is your personalAccounts of the otheridentification and Accountperform numberElectronicholder(s) that and Transactions is w usedithout in restr conjunctionusingict iElectronicon. with Equipment. your Card to enable you to access your NominatedElectronic AccessAccounts Method and performis a method Electronic that Transactionsyou use to instruct using Electronicus to debi tEquipment. or credit an Account through Electronic PrizeElectronEquipment, Paymentic Accessand and wh Methodi chPrize requ Paymentsiiress a youmethod to means use that a the Card,you Major use Ident to Prizei fiers,instruct Payment, Codes us toor Intermediate debcombit orinat credions iPrizet anof these AccountPayment. It does through and notMinor iElectronnclude Prize aic Prize Payment and Prize Payments means the Major Prize Payment, Intermediate Prize Payment and Minor Prize PaymentmethodEquipment, that collectively and requ whiresich or you requindividually toires sign you a voucher,asto theuse contexta receCard,ipt Identrequires. or otherifiers, document Codes or comb(for example,inations ofwhen these you. It present does not your include Cred iat Paymentmethod that collectively requires or you individually to sign a voucher,as the context receipt requires. or other document (for example, when you present your Credit PromotionCard and si gnPeriod a voucher means to the pay period for goods described or serv ini ces)section. 2.2 of the Save to Win Account™ Promotion Terms and Conditions. Promotion Card and si gnPeriod a voucher means to the pay period for goods described or serv ini ces)section. 2.2 of the Save to Win Account™ Promotion Terms and Conditions. RelatedElectron Accountic Equipment User iiss ana person electron authorisedic terminal, by computer,you to transact telev ionsion, your telephone account. or similar equipment and includes Related Electronour branch Accountic Equtelleripment term Userinals, iiss ana personour electron ATMs, authorisedic ATMstermi nal,of by other computer,you tofinanc transact televial inst ionsiion,tut your itelephoneons, account. EFTPOS or termsimilarinals equ andipment any otherand includes Savingsour branch Account teller termmeansinals, Cash our Management ATMs, ATMs Accounof otherT financNO LONGERial inst FORi tutSALEions, , WebSavings EFTPOS term Accountinals and or Bonusany other Interest Savings ACCOUNT authorised electronic terminal or device connected to our electronic banking system from time to time. Savingsauthorised Account electron meansic term Cashinal Managementor device connected Account, to WebSavingsour electron iAccountc banking or system Bonus fromInterest time Savings to time Account.. Transaction Account means Reverse Charges Account NO LONGER FOR SALE Choice Account (no longer for sale), Ultimate Account, TransactionElectronic Transact Accountion meansis a transfer Reverse of Charges funds iAccount,nitiated by Choice an instruct Accountion (noyou longer give through for sale), Electron Ultimateic Equ Account,ipment PensionElectronusing an Plus iElectronc Transact Accountic Accession NOis LONGER a Method transfer FOR toSALE of deb funds Mortgageit or i ncreditiatedi tOffset an by Account an Account instruct and ori oni ncludes,Save you to g i veWinfor through exampleAccount™. Electron: ic Equipment Pensionusing an Plus Electron Account,ic Access Mortgage Method Offset to deb Accountit or cred or iSavet an Accountto Win Account™. and includes, for example: Teller Withdrawal Fee* is a fee charged for cash withdrawals or transfers through BOQ branches (using a withdrawalTeller Withdrawal form or Fee*your is Account™. a fee charged for cash withdrawals or transfers through BOQ branches (using a withdrawal form or your Account™. Transfers to BOQ Accounts Fee is a fee charged for each transfer order payment deducted from your account and paidTransfers to a BOQ to BOQ account. Accounts This fee Fee is ischarged a fee charged to your for account each transfereach time order the paymenttransfer occurs.deducted from your account and paid to a BOQ account. This fee is charged to your account each time the transfer occurs. Unauthorised Transaction is an Electronic Transaction that was not authorised by you. It does not include Electronic TransactionsUnauthorised carried Transaction out by youis an or Electronic by anyone Transaction performing that the was transaction not authorised with your by you.knowledge It does andnot includeconsent. Electronic Transactions carried out by you or by anyone performing the transaction with your knowledge and consent. we, our and us are each a reference to Bank of Queensland Limited ABN 32 009 656 740, its successors and assigns, andwe,Elig iouranyble andAccountof its us officers, are means each agents, aa referenceSave staff to Wand toin Bank Account™authorised of Queensland open representatives for theLimited whole acting ABN of the32 on 009 relevantits authority. 656 740,calendar its successors month, hold anding assigns, andElig ianyble Accountof its officers, means agents, a Save staff to Wandin Account™authorised open representatives for the whole acting of the on relevantits authority. calendar month, holding Withdrawala Minimum Monthlyrefers to Balancethe Customer of AU$250 authorised and not removal with BOQof funds Fraud from for anany account day dur anding that includes relevant a transfer calendar of fundsmonth (whether a Minimum Monthly Balance of AU$250 and not with BOQ Fraud for any day during that relevant calendar month manualWithdrawalor closed or by electronic), refersyou pr toior the todirect theCustomer debits,end of authorisedover-the-counterthe previous removal month withdrawal, .of funds from payments an account of online and orincludes telephone a transfer purchases of funds or payments (whether mademanualor closed via or BPAY.by electronic), you Withdrawalsprior todirect the debits, endare permittedof over-the-counterthe prev providedious month clear withdrawal,. funds are payments available of in online the account or telephone and the purchases transaction or paymentscomplies with madeEligible via Entry BPAY. means Withdrawals an entry are as permitteddescribed providedin section clear 2.7 offunds the Saveare available to Win Account in the account Promot andion the Terms transaction and Cond compliesitions. with theElig termsible Entry and conditionsmeans an entryapplicable as descr to iparticularbed in sect products.ion 2.7 of Withdrawals theSave to Wcanin Accountbe processed Promot electronicallyion Terms or and via Condpaperit iformons. (e.g. withdrawaltheIdent termsifier andis form, informat conditions cheque).ion thatapplicable you prov to iparticularde through products. Electron i cWithdrawals Equipment canto access be processed your Accounts electronically and wh orich via you paper are form (e.g. withdrawalIdentnot requifieriredis form, itonformat keep cheque). secretion that (for you example, provide yourthrough Account Electron number)ic Equ. ipment to access your Accounts and which you are younot requmeansired the to Accountkeep secret holder, (for andexample, also includes your Account an Authorised number) .User where the context allows. means the Account holder, and also includes an Authorised User where the context allows. *youIntermed This fee (if iapplicable)ate Prize is Paymentcharged monthly means on thethe lastamount day of thedeterm monthined or on in the accordance date your account with sectis closed.ion 2.8(c)(ii) of the Save to Win *AccountIntermed This fee (if iapplicable)ate Promot Prize iison Paymentcharged Terms monthly and means Cond on thetheiti onslastamount day. of thedeterm monthined or on in the accordance date your account with sectis closed.ion 2.8(c)(ii) of the Save to Win Account Promotion Terms and Conditions. 48.49. 48.49.
27588 BOQ G611 Save to Win Acct Fin Svcs Guide.indd 50 17/10/11 9:03 AM 27588WIN0075396 BOQ G611 BOQ Save G611 to Save Win toAcct Win Fin PDS Svcs FSG_A5.indd Guide.indd 5051 17/10/113/9/19 5:529:03 pmAM 1300 55 72 72 boq.com.au
Bank of Queensland Limited ABN 32 009 656 740. The Promotion is run under trade promotion licenses in SA T112027, NSW LTPS/11/9196, VIC 11/2037, and ACT TP11/3920.
G611 10/21