Visa Cheque Account and Payment Services (No longer available for sale) Terms and conditions and general information. Effective: 13 September 2021 This document contains the terms and conditions for the St.George Bank Visa Cheque Account and Payment Services. Please read the terms and conditions carefully as this will help you to: • decide whether a Visa Cheque Account or Payment Service will meet your needs; and • compare the Visa Cheque Account and Payment Services to other bank accounts and payment services you may be considering. The Visa Cheque Account is issued by St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. You may contact us: • by calling 133 800; • by visiting our website: stgeorge.com.au • by calling any of our Corporate & Business Bank Branches or Private Bank; or • by writing to us at Locked Bag 1, Kogarah NSW 1485. Important note: if you have an Overdraft Limit, this booklet does not contain all the terms of your agreement or all of the information we are required by law to give you before the agreement is formed. Further terms and information are in the Visa Cheque Account Overdraft Offer. Contents Section A – Summary of features and benefits of a Visa Cheque Account ����������������� 7 Features and benefits of our Visa Cheque Account ........................................................7 Section B – Visa Cheque Account fees and charges and how to minimise them ������� 8 More about fees and charges that may apply to your account ......................................9 Section C – Terms and Conditions that apply to your Visa Cheque Account and Payment Services �������������������������������������������������������������������������������������������������������������������15 1 Important Words ...................................................................................................... 15 2 About the Terms and Conditions ............................................................................ 20 3 Changes to the Terms and Conditions ................................................................... 21 4 Your privacy ............................................................................................................. 23 5 Security of your payment instruments and permitted disclosure of an Internet Banking Password, PIN, Password or Internet and Phone Banking Security Number �������������������������������������������������������������������� 25 6 Feedback and Complaints ...................................................................................... 26 7 Agencies ................................................................................................................... 28 8 Trade practices, appropriate use of our services and Australian Government’s Financial Claims Scheme ............................................. 29 9 GST ........................................................................................................................... 29 10 Significant tax implications .................................................................................... 29 11 Closing the Account and terminating Payment Services ..................................... 30 Section D – Terms and Conditions that apply to your Account ���������������������������������������31 12 Opening the Account .............................................................................................. 31 13 Joint Accounts ......................................................................................................... 31 14 Password .................................................................................................................. 32 15 Interest ..................................................................................................................... 36 16 Fees and Charges and how to minimise them ...................................................... 37 17 Withdrawals ............................................................................................................. 37 18 Account combination .............................................................................................. 38 19 Authority to operate ................................................................................................ 39 3 20 Statement of Account ............................................................................................. 40 21 Adjustment of debits and credits to your Account ............................................... 42 22 Deposits ................................................................................................................... 42 Section E – Terms and Conditions that apply to Payment Services �����������������������������45 23 Fees and charges .................................................................................................... 45 24 Stopping a transaction on any Payment Services ................................................ 45 25 Electronic banking system malfunction ................................................................ 46 Section F – Terms and Conditions that apply to your Visa Debit Card �������������������������47 26 Features and benefits of our Cards ....................................................................... 47 27 When we send you a Card ....................................................................................... 48 28 Terms and Conditions of our Cards ........................................................................ 48 29 Additional Cards (Subject to Clause 28.6) ............................................................ 49 30 Using a Visa Debit Card .......................................................................................... 50 31 Withdrawal Limits ................................................................................................... 50 32 Using a Card to obtain cash ................................................................................... 51 33 Using a Card to access a Linked Account ............................................................. 52 34 Using a Terminal ...................................................................................................... 52 35 Card and PIN Security............................................................................................. 53 36 If your Card is lost or stolen or your PIN is revealed or you suspect unauthorised transactions ................................................................ 55 37 Liability for unauthorised transactions .................................................................. 55 Section G – Terms and Conditions that apply to cheques ������������������������������������������������59 38 Features and benefits of a cheque book ............................................................... 59 39 Terms and conditions of a cheque book ................................................................. 59 40 How to complete a cheque ..................................................................................... 59 41 Payments on cheques ............................................................................................. 59 42 Stopping payment on cheques ............................................................................... 60 43 Incomplete cheques ................................................................................................ 60 44 Lost or stolen cheque books ................................................................................... 60 45 Ending the cheque book option .............................................................................. 61 46 Putting cheques into the Account .......................................................................... 61 47 Accessing money in the Account using cheques .................................................. 62 48 Adequate internal procedures ................................................................................ 62 4 Section H – Terms and Conditions that apply to Internet and Phone Banking ���������63 49 Summary of the features and benefits of Internet and Phone Banking .............. 63 50 Significant risks associated with Internet and Phone Banking ........................... 63 51 How to start using Internet and Phone Banking ................................................... 63 52 Availability ................................................................................................................ 67 53 Transaction processing and limits .......................................................................... 67 54 Security of your Internet and Phone Banking Security Number and Internet Banking Password ............................................................................. 69 Section I – Terms and Conditions that apply to BPAY ���������������������������������������������������������������������78 55 Features and benefits of the BPAY Scheme .......................................................... 78 56 Significant risks associated with BPAY ...............................................................................78 57 Terms and conditions of the BPAY Scheme ........................................................... 78 58 How to use the BPAY Scheme ................................................................................. 79 59 Valid payment direction .......................................................................................... 79 60 Information you must give us .................................................................................