Credit Card Conditions of Use -

Credit Card Conditions of Use - St George Bank

and Credit Guide

Effective Date: 28 October 2016

Your Credit Contract includes this Conditions of Use brochure, the letter

which advises both your credit limit and other prescribed information (the

Offer) we are required to give you by law.

Important:

To gain access to the convenience of electronic banking terminals –

ATM/EFTPOS outlets/cash dispenser units/giroPost outlets – it is

necessary for you to have a PIN on your card.

You are required to choose your own PIN unless we allocate a PIN to you.

You can change your PIN at any time. Visit stgeorge.com.au to

find out how.

Caution! When your card is magnetically encoded and the card is exposed

to a strong magnetic field or comes into contact with another plastic card

with a magnetic strip, the encoded information may be destroyed. The

card may then be unusable in electronic terminals.

The Offer states who the account owner is. The account owner is also

the primary cardholder. If you are the primary cardholder, you are liable

for the entire balance. If this is a joint account, each of you is a primary

cardholder and each of you is jointly and individually liable for the entire

balance. Either of you can write to us and terminate your liability for

future advances on your joint account.

However, you remain liable for transactions made before, but debited to

the account after, you terminate your liability.

This booklet details the respective rights and obligations, for you and

St.George, and offers guidance on the proper and safe use of credit cards

and electronic banking services.

We strongly recommend that you read this booklet carefully and retain

it for your future reference. If you do not understand any part of it,

please contact our staff on 13 33 30. They will be happy to explain any

matter for you.

Contents

Credit Card Conditions of Use ��6

Important Words ��6

1. Agreeing to these conditions of use �� 12

2. Other conditions �� 12

3. Privacy �� 13

4. Your address �� 13

5. Cards �� 13

6. Additional cardholders �� 13

7. Security of cards and PINs �� 14

8. Lost or stolen cards or PIN revealed or suspected

unauthorised transactions �� 16

9. Credit limit �� 17

10. Using the card �� 18

11. Daily limits at terminals �� 21

12. Using a terminal �� 22

13. Processing transactions �� 22

14. Foreign transactions on your card account �� 23

15. What you must pay �� 24

16. Statements and monthly payments �� 25

17. Annual percentage rate �� 26

18. Interest charges �� 27

19. Fees and charges �� 30

20. How to pay �� 30

21. Automatic Payment Plan �� 31

22. What happens to payments we receive? �� 32

23. Death of a cardholder �� 32

24. Liability for unauthorised transactions �� 32

25. Deposits at St.George ATMs �� 36

26. Internet and Phone Banking �� 37

27. BPAY Scheme �� 48

28. Electronic banking system malfunction �� 59

29. Resolving disputes �� 60

30. Certificates �� 61

31. What happens if you breach any of these conditions? �� 62

32. Closing your card account �� 62

33. Cancellation of cards �� 62

34. Payment on closure or cancellation �� 64

35. Assignment �� 64

36. Cancellation of debit authorities on your card account �� 64

37. Changes to these conditions �� 65

38. Non-St.George Group ATMs �� 65

39. Terminal transactions �� 65

40. General information �� 66

41. National Credit Code �� 66

42. GST �� 67

43. Balance transfers �� 67

44. Appropriate use of our services �� 68

45. Our reporting obligations �� 68

Information statement �� 70

1. How can I get details of my proposed credit contract? �� 70

2. How can I get a copy of the final contract? �� 70

3. Can I terminate the contract? �� 70

4. Can I pay my credit contract out early? �� 71

5. How can I find out the pay out figure? �� 71

6. Will I pay less interest if I pay out my contract early? �� 71

7. Can my contract be changed by my credit provider? �� 71

8. Will I be told in advance if my credit provider is going to

make a change in the contract? �� 71

9. Is there anything I can do if I think that my contract is unjust? �� 72

10. Do I have to take out insurance? �� 72

11. Will I get details of my insurance cover? �� 72

12. If the insurer does not accept my proposal, will I be told? �� 73

13. In that case, what happens to the premiums? �� 73

14. What do I do if I can not make a repayment? �� 73

15. What if my credit provider and I can not agree on a

suitable arrangement? �� 73

16. Can my credit provider take action against me? �� 73

17. Do I have any other rights and obligations? �� 73

Credit Guide �� 74

1. Our general obligations �� 75

2. When will the credit contract be unsuitable? �� 75

3. How can you access a copy of the Suitability Assessment? �� 75

4. Getting your complaint heard �� 76

5. Our Customer Relations Team �� 76

Credit Card Conditions of Use

IMPORTANT WORDS

access method means a method we authorise you to use to instruct us

through electronic equipment to debit or credit a card account.

It comprises the use of one or more components including a card, card number,

PIN, Internet and Phone Banking security number, Internet Banking password

or Internet and Phone Banking access number or combinations of these.

It does not include a method requiring your manual signature as the main way

in which we ensure you gave us an instruction.

additional cardholder means a person or persons to whom a card has been

issued at your request under condition 6.

agreed line of credit means the daily card limit or credit arrangement existing

on a linked account, as you and we agree from time to time.

ATM means an automated teller machine owned by us or another financial

institution.

“at risk” transaction means an Internet Banking transaction or request

identified by us as requiring further authentication by Secure Code Service

to complete that transaction.

available credit means any unused portion of your credit limit excluding any

uncleared cheques.

balance owing on your card account means, at any time, the difference

between all amounts credited and all amounts debited to your card account

under this agreement at that time. When this amount is to be calculated for

the end of a day, it includes all debits and credits assigned to that day.

banking day means a day when we are open for normal banking business in

your State or Territory, other than a Saturday or Sunday.

balance transfer means any amount you or an additional cardholder transfer

to your card account in accordance with clause 43.

card means:

(a) a credit card we issue to you or an additional cardholder for use on your

card account; and

(b) includes any corresponding card that is loaded onto an electronic

equipment (for example, for the purpose of making a contactless

transaction),

and, for the purposes of these terms and conditions, each (a) and (b) are

considered to be the one and the same card.

card account means the account shown in the Offer.

cash advance means any transaction treated by us as a cash advance,

including transactions where you or the additional cardholder:

•• draw cash from the card account using an automatic teller machine or at

a financial institution; or

•• receive from a merchant a cash substitute (including, but not limited to,

using the card account to purchase gambling chips or tokens, traveller’s

cheques or money orders, or to load value to a stored value card or

facility); or

•• use the card account to purchase lottery tickets (or scratchies);

•• use the card account to pay bills over the counter at a financial

institution; or

•• transfer, or arrange for the transfer of, funds from the card account

to another account.

This also includes any transaction against credit balances in your

card account.

Merchants enter into an agreement with their chosen financial institution,

enabling the Merchant to accept payment for goods and services by credit

card. St.George, as the issuer of your card, is only able to determine whether

to treat a transaction you make with a merchant on your card account as

a purchase or a cash advance, based on information (including the type of

business conducted by the merchant) provided by that financial institution in

the course of processing the transaction.

Accordingly, credit card transactions made with certain merchants may be

treated as cash advances, even though such transactions do not fall within

any of the above transaction categories. The most common types of merchant

outlet where this may occur are newsagencies and merchants that sell lottery

tickets or other gambling/gaming products.

cash advance balance includes any cash advances, any fees resulting from a

cash advance, and any interest charges from a cash advance that are debited

to your card account.

code means a PIN, Internet and Phone Banking security number, Internet

Banking password and any similar information which may be required to make

EFT transactions to or from your card account and which the User is required

to keep secret.

contactless transaction means a purchase transaction made by holding your

card (which is capable of making a contactless transaction) in front of

a contactless terminal and without having to insert or swipe it;

contactless terminal means an electronic banking terminal which can be

used to make a contactless transaction;

daily percentage rate means the rate determined by dividing the annual

percentage rate by 365.

device means an article we give a User to perform EFT transactions.

due date means the minimum payment due date included on a monthly

statement issued on your card account.

EFT account means an account from or to which you can transfer funds

through electronic equipment.

EFTPOS means a point of sale electronic banking facility available at retail

or wholesale outlets.

EFT system means the network of electronic systems used for the

transmission of EFT transactions.

EFT transaction means a transfer of funds initiated by an instruction you

give through electronic equipment to debit or credit an EFT account and

not intended to be authenticated by comparing a manual signature with a

specimen signature.

electronic equipment includes a terminal, computer, television and telephone.

Foreign transaction is any transaction made using the card:

•• in a currency other than Australian dollars; or

•• in Australian dollars or any other currency with a merchant located outside

Australia; or

•• in Australian dollars or any other currency that is processed by an entity

located outside Australia.

Note: It may not always be clear to you that the Merchant or entity processing

the transaction

Foreign transaction fee means a fee charged to you being a percentage of

the Australian dollar transaction amount of a foreign transaction.

GST means any tax imposed on the supply of any goods, services, real or

personal property or other things or similar tax.

Identifier means information that a User knows and must provide to perform

an EFT transaction but is not required to keep secret.

including or includes or such as or for example when introducing an example

does not limit the meaning of the words to which the example relates to that

example or examples of a similar kind.

Internet and Phone Banking means any service we offer from time to time

through a communication network (including telephone and the Internet) to

enable you to receive information from us and to transmit instructions to us

electronically, in relation to an account or other matters we specify.

Internet and Phone Banking access number means the number used in

conjunction with the Internet and Phone Banking security number and Internet

Banking password to access Internet and Phone Banking.

Internet and Phone Banking security number means the personal

identification number used in conjunction with the Internet and Phone Banking

access number and Internet Banking password to access Internet and

Phone Banking.

Internet Banking password means the password you select for use in

conjunction with the Internet and Phone Banking access number and the

Internet and Phone Banking security number to access Internet Banking.

linked account means any account which is linked to the card other than the

credit card account.

merchant means a provider of goods or services who accepts

payment by card;

Offer means the Credit Card Offer we make to you setting out details of your

card account and other information and which forms part of this agreement.

PIN means a personal identification number or word used in conjunction

with a card.

PINpad means an electronic device which allows customers to identify

themselves using their PIN rather than their signature or another form of

identification.

promotion plan means a special promotional offer made by us to you, in

terms of which, if the offer is accepted, a different annual percentage rate will

apply to an agreed portion of the balance of the card account for an agreed

period of time.

Secure Code means a randomly generated code that we send to you to

authenticate each “at risk” transaction. The Secure Code is sent to your

Australian mobile phone by SMS or landline telephone number by interactive

voice response message. This form of authentication is in addition to your

Internet Banking Password and Internet and Phone Banking Security Number.

Secure Code Service means our method of Two Factor Authentication where

we send you a Secure Code to authenticate “at risk” transactions performed

by you using Internet Banking.

small business means a business employing:

less than one hundred full-time (or equivalent) persons if the business is or

includes the manufacture of goods; or

(a) in any other case, less than 20 full-time(or equivalent) persons,

(b) but does not include a business that opens a card account in connection

with another business that does not meet the elements in (a) or (b) above.

terminal or electronic banking terminal means any authorised terminal or

device in which you can use your card and PIN. This includes:

•• St.George branch terminals in Australia;

•• St.George automatic teller machines in Australia;

•• Automatic teller machines of other selected financial institutions

in Australia;

•• Automatic teller machines overseas bearing the scheme logo for your card;

•• Automatic teller machines overseas bearing the Cirrus logo (for

MasterCardR cards only);

•• Electronic funds transfer at point of sale (EFTPOS) terminals;

•• A contactless terminal

•• Any other authorised terminal or device connected to the Bank’s electronic

banking system from time to time.

third party payments means:

•• a payment made to a third party; or

•• a payment made to an account, in the name of the person authorising the

payment, at another financial institution.

Two Factor Authentication means a security authentication process in which

a customer provides a financial institution with two types of identification

information to authenticate their identity. The first type of identification

information is a piece of information known to the customer. The second type

of identification information is information sent by the financial institution to

the customer’s physical device,e.g. a mobile phone or a landline phone.

user means you and the person(s) authorised by you pursuant to these terms &

conditions (or other terms & conditions relating to an EFT account) to perform

the type of transactions permitted by you.

we or us or St.George Bank or the Bank means St.George Bank– A

Division of Westpac Banking Corporation ABN 33 007 457 141 Australian

financial services licence 233714 Australian credit licence 233714 and its

successors and assigns.

you means the person named as the account owner in the Offer. You does not

include an additional cardholder. If there are two of you, you means each of you

separately and both of you jointly. You includes your successors and assigns.

1. AGREEING TO THESE CONDITIONS OF USE

When you receive your new card or when an additional cardholder

receives a new additional card, you and the additional cardholder must

each activate the card separately by following the instructions we

provide you. The first time you or an additional cardholder sign a card,

activate a card or authorise a transaction on your card account you will

automatically be agreeing to these conditions. These conditions then

apply to all transactions on your card account.

If there are more than one of you, these conditions will apply to each

of you as soon as one of you or an additional cardholder signs a card or

authorises a transaction.

If there is more than one of you, you are liable jointly and individually

for the balance owing on the card account. We can ask either or both

of you to repay the balance owing on your card account. Either of you

can write to us and terminate your liability for future advances on your

card account. If either of you ask to terminate your liability, we will

cancel any cards and stop operation of your card account. In any case,

each of you remain liable for all transactions either of you make prior

to the date you cancel your liability for future advances on your card

account, even if the transactions are debited to the card account after

the cancellation date.

2. OTHER CONDITIONS

All conditions applying to your linked accounts also apply when you

or an additional cardholder use the card on those accounts. Those

conditions form part of this agreement.

We warrant that we will comply with the ePayments Code where

it applies.

The relevant provisions of the Code of Banking Practice apply to this

agreement if you are an individual or a small business.

If you do not agree with these conditions, do not sign your card

and do not allow an additional cardholder to sign a card; and do

not activate your card and do not allow an additional cardholder

to activate a card; and do not carry out or permit an additional

cardholder to carry out any transaction – instead, contact us to

cancel your card (and destroy for your protection).

3. PRIVACY

If the card account is in more than one person’s name or if there is an

additional cardholder, each of you agrees that each person may use the

card account and have access to card account information without any

other cardholder’s consent.

4. YOUR ADDRESS

You must notify us if you change your residential or postal address,

either in writing or by contacting our Customer Service Centre

on 13 33 30.

If we cannot locate you after having made reasonable efforts to do so,

we may stop operations on your card account until you give us your

current contact details.

5. CARDS

We will not issue more than four cards on your card account.

We will either mail out your card or send it to a nominated branch. You may

collect all cards issued. Additional cardholders may only collect their

own card.

You must sign your card as soon as you receive it. You must ensure any

additional cardholders do likewise.

Each card is for the sole use of the person named on it and is only valid

from the “valid from” date (when shown or, if not shown, the issue date)

to the “until end” date shown on it.

Each card remains our property. You are responsible for ensuring all cards

are returned or destroyed as soon as we ask you to do so. We may issue

replacement cards at any time. All cards are subject to these conditions.

6. ADDITIONAL CARDHOLDERS

You may nominate a person who is 16 years or older (unless we

agree otherwise) to be your agent to operate on your card account.

If approved, we will issue that person with a card linked to your

card account.

You should ensure that each additional cardholder reads and

understands these conditions of use. If any additional cardholders

do not comply with them, you will be in default.

You are liable to pay for (or to repay) any credit provided to any

additional cardholder. Your card account will be debited with all

transactions made by any additional cardholder. Accordingly, you are

responsible for all these transactions as if you had made them yourself.

You must contact us either at a branch or by telephone if you want to

cancel any additional card or stop any additional card from being used.

You must destroy that card to render it unusable by cutting that card in

half through the magnetic strip and card chip for your protection. If you

cannot readily do so, you must take all reasonable steps to have the

card destroyed.

What constitutes taking all reasonable steps to have the additional

card destroyed will vary, depending on the particular circumstances.

At a minimum, it will require you to contact the additional cardholder,

if at all possible, and request them to surrender the additional card to

you, so that you can destroy the card securely.

You remain responsible for all transactions made with an additional

card until the card is destroyed or if you cannot obtain the additional

card, until the later of:

•• the date you ask us to cancel the additional card; and

•• when you have taken all reasonable steps to have the card destroyed.

In any case, you remain liable for all transactions the additional

cardholder makes prior to the date you are no longer responsible for

transactions made with that additional cardholder’s card, even if the

transactions are debited to your card account after that date.

We will not accept any person as an additional cardholder unless their

identity has been verified in accordance with procedures prescribed

under the Anti-Money Laundering and Counter-Terrorism Financing

Act 2006. A person nominated by you to be an additional cardholder

on your card account must provide any details that we request for

this purpose.

You consent to us giving any additional cardholder information about

your card account.

7. SECURITY OF CARDS AND PINS

The security of your card and PIN and the card and PIN of any

additional cardholder is very important as they allow unrestricted

access to your card account and any linked account. You must make

every effort to see that your card and any record of your PIN are not

misused, lost or stolen. If you fail to ensure the security of your card

and PIN your liability is determined under condition 24.

Your obligations

You must:

•• sign your card as soon as you receive it

•• not record your PIN on your card or on any article normally carried

with your card and which is liable to loss or theft with your card

•• not permit any other person to use your card

•• not disclose your PIN or make it available to any other person

(including a family member, a friend or one of our staff)

•• use care to prevent anyone else seeing your PIN being entered in

a terminal.

Your own personal PIN

We give you the additional convenience and security of being able

personally to select your own PIN (which may be a word or a number).

We strongly advise you to select a PIN that you can remember without

needing to make a written record of it or anything which reminds

you of it.

When selecting your own PIN, it must comprise four digits or a word of

four letters. Under the next heading, we tell you the PINs you should

not select.

Can you record a memory aid for your PIN?

If you require a memory aid to recall your PIN you may make such a

record provided the record is reasonably disguised. However, we do not

consider that the following examples provide a reasonable disguise,

and you agree:

•• not to record your disguised PIN on your card

•• not to disguise your PIN by reversing the number sequence

•• not to describe your disguised record as a “PIN record” or similar

•• not to disguise your PIN using alphabetical characters or numbers:

A = 1, B = 2, C = 3, etc

•• not to select or disguise your PIN using any of the following

combinations (or parts of them):

–– dates of birth

–– personal telephone numbers

–– car registration numbers

–– your name

–– family members’ names

––social security numbers

––licence numbers

––not to store your PIN in any low security electronic device of any

kind, such as (but not limited to):

––alculators

––ersonal computers

––lectronic organisers.

There may be other forms of disguise which may also be unsuitable

because of the ease of another person discerning your PIN.

You must exercise extreme care if you decide to record a memory aid

for your PIN.

Please note: Liability for losses resulting from unauthorised

transactions is determined under the relevant provisions of the

ePayments Code, where that Code applies, despite your obligations

set out above.

Additional cardholders

We give your additional cardholders the convenience and security of

being able personally to select their own PIN (which may be a word or

number). You must ensure that each additional cardholder signs their

card as soon as they receive it, protects their card and stores their PIN

as safely as this condition requires you to protect and store yours.

8. LOST OR STOLEN CARDS OR PIN REVEALED OR

SUSPECTED UNAUTHORISED TRANSACTIONS

You must tell us and ensure that an additional cardholder tells us as

soon as possible if a card is lost or stolen or you suspect that a PIN is

known to someone else or you suspect any unauthorised telephone,

mail or other type of remote access use of your card account or that

unauthorised transactions have been made.

You may notify us in Australia by telephoning us on 1800 028 208

(available 24 hours a day).

If you are overseas, you may notify us by calling 61 2 9155 7800

(available 24 hours a day). A telephone call made to this number may

be made on a “reverse charge” basis and you will not be charged.

If a card is reported lost or stolen, we place a hold on all cards issued

on your card account. The person reporting a card lost or stolen, must

inform all other cardholders.

If you do not notify us you may be liable for unauthorised use –see

condition 24.

You will need to give us all relevant information you may have, so that

we can suspend card access to your card account and linked accounts.

You may be asked to confirm in writing any notice you give us

by telephone. A failure to do so will not affect your liability for

unauthorised transactions, however, it will help us to effectively deal

with your report.

When you report the matter you will be given a notification number (or

other form of acknowledgement). You should retain that number as

confirmation of the date and time of your report.

In Australia, if you are unable to report to us because our facilities

are unavailable, you are not liable for any unauthorised transaction

which could have been prevented if you had been able to tell us,

provided you tell us within a reasonable time after our facilities become

available again.

If a card which has been reported lost or stolen is recovered, it must

not be used again. Destroy the card.

9. CREDIT LIMIT

Your credit limit is shown in the Offer. This is the maximum amount of

credit you or any additional cardholder may normally obtain on your

card account, including any accrued fees or interest charges.

You should tell each additional cardholder about your credit limit. You

are responsible if the credit limit is exceeded. If disclosed in the Offer,

a fee may be charged if your credit limit is exceeded.

If the balance owing on your card account is more than the credit limit,

you must immediately repay us the excess amount. We need not ask

you for this amount first.

You may apply to us to increase your credit limit and, if we decide to do

so, we must tell you the new credit limit in writing.

We may reduce the credit limit or stop providing further credit as we

choose. If we do so, we tell you in writing.

10. USING THE CARD

10.1 Using the card to obtain goods and services

•• at a merchant

You can normally use the card to obtain goods and services at

merchants (such as shops, restaurants and theatres) in Australia and

overseas where the card symbol is displayed.

The fact that the card symbol is displayed at a merchant’s premises

does not mean that we guarantee that all goods and services available

there may be obtained by using the card. We are not responsible if a

merchant refuses to accept the card or places other limitations on

using the card.

We have no control over the hours a merchant may be open for

business. The hours during which a terminal will be available may

therefore vary in accordance with the merchant’s opening hours.

•• through mail order, telephone and other types of remote access

Where the merchant accepts the following forms of payment, you

can use the card to obtain goods and services through mail order, by

telephone and by other types of remote access (such as the Internet).

If we allow you to use your card by a method of remote access (such as the

Internet) you must do so in accordance with our terms of use applicable

to that method.

Some transactions need authorisation from us. We may choose not to

authorise a proposed transaction.

If we approve an authorisation we reduce the available credit on your

card account by up to the amount of the authorisation.

Some merchants, for example hotels and car rental agencies, may

request confirmation that your card account has sufficient available

credit to meet the estimated cost of the goods and services they will

supply. We treat the request as a request for authorisation. Once

the request is approved, your available credit is reduced by up to the

amount of the estimated cost.

This means even though the balance owing on your card account

is less than the credit limit, you may find you have no, or a reduced

amount of, available credit on your card account. When the goods and

services have been supplied, the merchants may request a subsequent

authorisation for the actual costs. This may have the effect of reducing

your available credit by the sum of the two authorisation amounts.

You should ensure the merchant cancels the original authorisation.

You must check that the correct amount is entered in a terminal

or written in the “total” box on a voucher before you authorise the

transaction or sign the voucher.

Use of a card by you or an additional cardholder to make a transaction

is an order for us to process the transaction. A cardholder may

not request us to alter or stop payment on the transaction. A card

transaction cannot be stopped prior to presentation for processing.

It may not be able to be stopped even after that presentation.

You or an additional cardholder may only cancel periodical debits a

cardholder authorises a merchant to make to your card account by

direction to the merchant. We are not responsible for goods or services

obtained by using the card, unless the law makes us liable. Therefore, if

you have any complaints about goods or services, you must take them

up with the merchant. In some circumstances, we may be able

to exercise a chargeback right for you (see Condition 16).

A card must not be used for any unlawful purpose, including the

purchase of goods or services, prohibited by local law applicable in the

cardholder’s jurisdiction.

10.2 Using the card to obtain cash

You can use your card to obtain cash advances from your card account

or to obtain cash from any linked account. If you link an account with

a credit facility to your card, you can use your card to get access to

that credit facility (only within Australia for all cards other than a Gold

MasterCard card).

•• cash advances

You can obtain a cash advance from your card account at any of our

branches by presenting your card at the counter and using your signature.

You can also use the card in combination with your PIN to obtain cash

advances up to your daily cash limit (shown in the Offer) from any of our

ATMs and from the ATMs of our associated financial institutions (within

Australia, call our Customer Service Centre on 13 33 30 for details).

You may also be able to obtain a cash advance on your card account by

presenting your card at a branch counter of some of these associated

financial institutions.

When obtaining cash at a branch of any bank, you may be required to

produce suitable identification which identifies the holder of the card

(such as a photographic driver’s licence or passport).

You may obtain cash advances with your card from any ATM or from

any bank branch throughout the world displaying:

•• the Visa logo, if your card is a Visa card; or

•• the MasterCard logo, if your card is a MasterCard card.

The minimum and maximum amount of a cash advance is set by each

financial institution and the amounts may vary. The minimum through

our terminals is $20 (subject to note denominations available).

You may be able to transfer amounts from a nominated card account to

another account you have with us. Those amounts transferred will be

treated as cash advances but do not form part of your daily cash limit.

This service is available for some accounts only within Australia. Details

are available by calling our Customer Service Centre on 13 33 30.

We do not warrant that ATMs will always have money available.

If you are registered as a St.George Phone Banking user, you may also

be able to transfer amounts from your card account to your linked

account by using the St.George Phone Banking service. All amounts

transferred from your card account will be treated as cash advances.

•• cash from linked accounts

You can use your card and PIN to gain access to your linked accounts

at terminals. You can therefore obtain cash from a linked account in

accordance with the conditions applying to that account.

10.3 Vouchers

You agree that the amounts shown on each sales voucher are sufficient

evidence of the cash price of the goods or services to which the

voucher relates.

10.4 Using the card – additional cardholders

Each additional cardholder may use their card on the same terms as

those which apply to you under this condition 10.

10.5 Stopping operations on your card account

We may not allow any operations on your card account if we cannot

locate you after having made reasonable efforts to do so. Please refer

to condition 4 for further information.

11. DAILY LIMITS AT TERMINALS

11.1 Cash limit

•• ATM and EFTPOS

The maximum total amount of:

–– cash advances you and any additional cardholder can obtain with

cards through ATMs, and

–– cash you and any additional cardholder can obtain from your

linked accounts through ATMs and EFTPOS,

on any one day is shown in the Offer (that is, this is the maximum

total of cash advances and cash that can be obtained from linked

accounts for each cardholder).

Merchants or other providers of facilities may impose

additional limits.

This means that you may have to make two or more transactions to

reach your daily limit.

You or any additional cardholder can ask us to change any of these

limits for your or your cardholder’s own card (up to the maximum

limit we agree) through Internet Banking or by calling us or visiting

a branch. Bear in mind that when you or an additional cardholder

increase a limit, you, as the account holder, may be at risk of larger

financial losses in the event of unauthorised transactions.

11.2 Purchases limit

•• EFTPOS

The maximum amount of value you can obtain with the card and PIN

from a linked account for purchases of goods and services through

EFTPOS on any one day is shown in the Offer.

For the purpose of this condition 11, each day ends at 12 midnight

in New South Wales.

Merchants or other providers of facilities may impose

additional limits.

12. USING A TERMINAL

When you or an additional cardholder use the card and PIN at a

terminal, you authorise us to act on the instructions entered into

the terminal.

There may be short periods when transactions will not be available

when we are maintaining our systems.

If it is not possible to carry out the instructions you or an additional

cardholder give a terminal on your card account, the transaction will

not be accepted.

A card may be retained in a terminal if you or an additional cardholder

enter an incorrect PIN on three consecutive occasions.

Money is at your risk from when it becomes visible or available to you

or an additional cardholder at an ATM.

You may elect not to require a receipt to be issued at a terminal which

identifies which one of you or an additional cardholder has used the

card account.

You should ensure that the transaction amount is correct before you

sign any vouchers or transaction records given to you by merchants

or financial institutions, or use your card at a contactless terminal and

before you enter your PIN at electronic banking terminals. By signing

a voucher or transaction record or entering your PIN or otherwise

using your card at an electronic banking terminal, you indicate your

agreement that the transaction amount is correct.

Transaction limits apply to the use of a card to make a contactless

transaction at a contactless terminal. We will notify you of any such

limit if your card is capable of making a contactless transaction.

A cash advance cannot be made using a card in a contactless terminal.

13. PROCESSING TRANSACTIONS

We may assign any date we consider appropriate to a debit or credit

to your card account (except that, in the case of a debit, the date must

not be earlier than the date on which the relevant transaction occurs).

However, we credit payments to your card account (including cash

deposited at ATMs) as soon as practicable after we receive them. This is

not necessarily the same day that you pay.

We may subsequently adjust debits and credits to your card account

so as to accurately reflect the legal obligations of you and us (for

example, because of an error or because a cheque is dishonoured).

If we do this, we may make consequential changes (including to the

interest charges).

14. FOREIGN TRANSACTIONS ON YOUR CARD ACCOUNT

14.1 Foreign transactions incur the Foreign transaction fee

We may charge the Foreign transaction fee on any Foreign Transaction

which we debit to your card account. Details of the Foreign transaction

fee are set out in the Offer or in any notice we give you notifying you of

a change in these fees. Details are also available at stgeorge.com.au/

personal/credit-cards

14.2 Foreign transactions in a foreign currency

Any card account statement entries for Foreign transactions made in a

currency other than Australian dollars (a ‘foreign currency’) will include

the foreign currency amount converted into Australian dollars by the

applicable card scheme, and the Foreign transaction fee.

The method of conversion is as follows:

If a Visa card is used to make a transaction in a foreign currency on

your card account, the transaction is converted into Australian dollars

by Visa International using:

•• a rate Visa International selects from the range of rates available

to it in wholesale currency markets for the date on which Visa

International processes the transaction. The rate Visa International

selects may vary from the rate Visa International receives itself; or

•• a rate a government requires Visa International to apply to the

conversion as at the date Visa International processes

the transaction.

Visa International may convert a transaction in a foreign currency

into US dollars prior to converting it into Australian dollars.

If a MasterCard card is used to make a transaction in a foreign

currency on your card account, MasterCard converts the transaction

into Australian dollars at the conversion rate or rates MasterCard

applies when it processes the transaction.

Note: Foreign exchange rates quoted by us from time to time are not

used to convert Foreign transactions made in a foreign currency to

Australian dollars.

14.3 Foreign transactions in Australian dollars

Any card account statement entries for Foreign transactions made

in Australian dollars will include the Australian dollar amount and the

Foreign transaction fee.

Note: the Foreign transaction fee may be charged in circumstances

where you may not be aware that the merchant or entity processing

the transaction is located outside Australia.

14.4 Refunds and chargebacks of Foreign Transactions

Any refund or chargeback relating to a Foreign transaction made in a

foreign currency will be converted to Australian dollars by the applicable

card scheme in accordance with clause 14.2 above. The exchange rate

used for the refund or chargeback may differ from the rate applicable

when the Foreign transaction was initially processed.

A Foreign transaction fee charged on a Foreign transaction will be

reversed if a chargeback is applied to the transaction.

Foreign Transactions which are refunded by the Merchant other than

via a chargeback process will still incur the Foreign Transaction Fee on

the original transaction. No Foreign Transaction Fee will be charged on

the refund transaction.

15. WHAT YOU MUST PAY

You must pay us for all amounts debited to your card account.

These include:

(a) amounts shown on sales vouchers for goods and services obtained

from a merchant either directly, by mail, by telephone order or by

other types of remote access;

(b) the amount of any BPAY Payment debited to your card account in

accordance with condition 27.4;

(d) interest charges;

(e) government taxes, duties and charges payable by us in connection

with the card account (whether or not you are primarily liable to pay

them); and

(f) the service fee and any of our other fees or charges referred to in

condition 19.1. You are also liable for unauthorised use of your card

as set out in condition 24.

16. STATEMENTS AND MONTHLY PAYMENTS

We send you a monthly statement (not always on the same day of

each month) for your card account. However, we need not send you a

statement if:

(a) no amounts have been debited or credited to your card account

during the statement period and the amount outstanding is below

$5. Even then, we will send you a statement at least once each six

months; or

(b) the account has a zero balance and no amounts have been debited

or credited to your card account during the statement period.

The statement includes:

(i) the start and end dates of the statement period;

(ii) the opening and closing balance of your card account;

(iii) the due date for payment, which is 25 days after the

statement date; and

(iv) the minimum payment (see below);

(v) the interest charges; and

(vi) fees and charges debited to your card account.

It also lists all transactions and amounts debited or credited to your

card account during the statement period.

All amounts requiring payment are shown on the statement in

Australian dollars. You should check the entries on your statement

carefully and promptly report any error or unauthorised transaction to

us, or query an entry on a statement, if possible, before the due date

for payment. You can do so by phoning us on 13 33 30.

In some circumstances, card Scheme rules allow us to charge a

transaction on your card account back to the merchant with whom you

made the transaction. We will claim a chargeback right (if the right is

available) for a transaction on your card account if:

•• you ask us to do so; and

•• you give us the information and material we require to support the

chargeback, within 30 days after the date of the statement on

which the transaction is recorded. You may do so by phoning us

on 13 33 30.

Otherwise any chargeback we have under card Scheme rules

may be lost.

The timeframe for disputing a transaction may not apply to reporting

unauthorised EFT transactions covered by the ePayments Code.

We cannot claim a right of chargeback if the right does not exist.

For example, a right of chargeback does not exist in relation to BPAY

Payments from your card account. Otherwise, card Scheme rules

prevent us from disclosing details of when a chargeback is or is not

available to us.

Any right of chargeback we may have under card Scheme rules may

be lost if you do not:

•• inform us promptly that you wish to dispute a transaction; and

•• provide us with any information or material we require to support

a chargeback.

Refer also to conditions 24.3 and 26.23 in this context.

You are responsible for paying all amounts shown on the statement

but you need not pay the entire closing balance outstanding shown

on a statement, unless the minimum payment required is the closing

balance. You must pay the minimum payment shown on each

statement by the due date and you may pay more or all of the closing

balance outstanding if you wish. The minimum payment requirement is

shown in the Offer.

If there is an overdue amount shown on the statement, you must

immediately pay us that amount. We need not ask you for this amount

first. This amount is in addition to the normal minimum payment.

17. ANNUAL PERCENTAGE RATE

The annual percentage rate on your card account is shown in the Offer.

We may notify you of an increase to the annual percentage rate by

written notice no later than the day on which the change takes effect.

Alternatively, notice may be given by publishing the change in a

newspaper circulating in your State or Territory. In this case, we will

confirm the change before or when your next statement of account is

sent after the change takes effect.

Written notice will not be given where we reduce the annual

percentage rate that applies to the card account.

Details of our current annual percentage rates are available on request

at our branches.

18. INTEREST CHARGES

Interest charges in a statement period are calculated by applying:

(a) the daily percentage rate applicable to cash advances separately

to the unpaid daily balances of the cash advance balance; and

(b) the daily percentage rate applicable to purchases separately to the

unpaid daily balances of the purchase balance.

The total amount of interest charges debited to the card account is

the sum of the interest charges on the cash advance balance and the

purchase balance.

18.1 Interest charges on purchases and our fees

(a) Interest free days

If the Offer states that you have interest free days on your card

account, we do not charge interest on purchases or on our fees

(excluding fees that result from a cash advance) that are listed

on a statement if you pay the closing balance by the due date for

payment listed on every statement.

If you do not pay the closing balance on a statement by the due

date for payment, you will not have interest free days on purchases

or our fees unless you pay the closing balance by the due date in

2 consecutive statement periods.

If you pay the closing balance by the due date in a statement period,

we do not charge interest on purchases or fees (excluding fees that

result from a cash advance) debited to your card account in that

statement period.

If you do not pay the closing balance by the due date for payment

listed on a statement, unpaid purchases and fees (excluding

fees that result from a cash advance) outstanding as well as new

purchases and fees (excluding fees that result from a cash advance)

debited to your card account in that statement period will be

included in the calculation of the interest charge.

We calculate the interest applicable in any statement cycle on

purchases and purchase fees:

•• from the date the relevant transaction is made or from the date

assigned to the transaction in accordance with condition 13

(the purchase transaction date); or

•• if the purchase transaction date is prior to the start of the

statement cycle, from the first day of the statement cycle, until

these amounts are paid in full.

There is no interest free period for these interest charges.

(b) No interest free period on:

(i) Interest charges

We charge interest on interest charges on purchases and fees

which we debit to your card account. There is no interest free period

for those interest charges. We add those interest charges to the

balance of purchases and our fees on which we charge interest.

Interest is charged from the date shown on your statement for an

interest charge until it is paid in full.

(ii) balance transfers

There is no interest free period for balance transfers. Interest is

charged on transferred amounts from the date of transfer. Interest

free days do not apply to purchases or fees until the balance

transfer amount is paid in full.

purchases and fees

Except as provided under paragraph (a), we charge interest on each

amount of:

•• purchases;

•• fees;

•• interest charges on purchases and our fees, excluding fees that

result from a cash advance, debited to your card account from

the date shown on your statement for that transaction until the

date we receive payment of it in full.

Any reference to the date assigned to the purchase means either:

•• the date on which the purchase was made; or

•• the opening date shown on the statement of account on which

the purchase was itemised,

whichever is the later.

When interest is payable, we charge interest at the end of a statement

period on the balances of purchases, fees and interest charges on

purchases and fees during the statement period.

18.2 Interest charges on the cash advance balance

We charge interest on cash advances, fees resulting from a cash

advance, and interest charges on cash advances debited to your card

account. There is no interest free period for either cash advances, fees

resulting from cash advances or interest charges on cash advances

until they are paid in full. Interest is charged from the date shown on

your statement for cash advances, fees resulting from cash advances

and interest charged on cash advances until they are paid in full.

Any reference to the date assigned to the cash advance means either:

•• the date on which the cash advance was made; or

•• the opening date shown on the statement of account on which the

cash advance was itemised,

whichever is the later.

Whenever we debit your card account with interest charges on cash

advances, those interest charges become part of the balance of cash

advances on your card account.

18.3 Interest charges on balance transfers

We charge interest on balance transfers and on interest charges on

balance transfers debited to your card account. There is no interest

free period for either balance transfers or for interest charges on

balance transfers. Interest is charged from the date shown on your

statement for balance transfers and interest charges on balance

transfers until they are paid in full.

Any reference to the date assigned to the balance transfer

means either:

•• the date on which the balance transfer was made; or

•• the opening date shown on the statement of account on which the

balance transfer was itemised,

whichever is the later.

Whenever we debit your card account with interest charges on balance

transfers, those interest charges become part of the balance of balance

transfers on your card account.

18.4 General

Interest charges are added (debited) to your card account every

statement date (but are not included for the calculation of interest

on that day).

We do not charge interest on government taxes and duties debited to

your card account.

18.5 When interest calculation method changes

If we change the interest rate calculation method at your request, the

change takes effect from the first day of the interest period during

which we make the change. That is, the interest rate calculation

method change applies:

•• retrospectively to all card purchases, balance transfers and cash

advances from the first day of the statement period during which we

make the change until the date that we make the change; and

•• to all future transactions which you make on or after the date we

make the change.

19. FEES AND CHARGES

19.1 We may charge the fees and charges shown in the Offer and any new

fee or charge we introduce.

19.2 You must also pay an amount equal to any government charges and

duties on receipts or withdrawals charged under this agreement or

duties charged relating to the use of a card or to transactions on your

card account or both, in each case calculated in accordance with the

relevant legislation. These charges and duties are payable whether or

not you are primarily liable for such charges and duties.

19.3 Details of our current fees and charges are available on request at

our branches.

19.4 All fees are non-refundable.

19.5 We debit all fees and charges and government charges and duties

payable under this agreement to your card account.

20. HOW TO PAY

You may pay at any of our branches (this includes Bank of South

Australia branches), through the Automatic Payment Plan, at some

St.George ATMs (this includes some Bank of South Australia ATMs),

St.George Phone Banking, BPAY or the Internet.

The amount of credit available to you is not changed by:

(a) the proceeds of a deposited cheque until the cheque has cleared

(details of our current cheque clearance days are available at our

branches); or

(b) cash deposits until we credit them to your card account in the

normal course of business.

You must pay in Australian dollars in Australia. Payments overseas are

not possible. If you are overseas when a payment is due, you must still

ensure that any minimum payment is made.

If you are in the Automatic Payment Plan, we debit the payment

specified on your statement to the account you selected for debiting

under the Plan. We debit the payment 25 days after the statement

date (or if that is not a banking day, then the next banking day).

21. AUTOMATIC PAYMENT PLAN

If you are in the Automatic Payment Plan and the deduction is not

honoured by the bank, you must immediately pay us the amount of the

required deduction. We need not ask you for it first.

If you want to change or discontinue your Automatic Payment Plan you

should call us or contact one of our branches. We will then arrange to

make the change you want, or arrange for the Automatic Payment Plan to

be discontinued. This change will be effective from the next statement

date following the date of change.

If you close the account we are debiting under your Automatic Payment

Plan, you must:

•• tell us the new account on which we can draw payments under your

Automatic Payment Plan; or

•• cancel your Automatic Payment Plan.

If you do not, you may be charged a dishonour fee, if we cannot draw

a payment under your Automatic Payment Plan.

We may discontinue your Automatic Payment Plan if the Plan is not

working properly – for example, if the account you selected for debiting

is regularly short of funds. We would normally contact you before we

discontinue your Plan.

22. WHAT HAPPENS TO PAYMENTS WE RECEIVE?

Payments to the card account are applied to amounts shown on your

most recent statement, in descending order from those attracting the

highest annual percentage rate to those attracting the lowest annual

percentage rate, or on which interest is not charged. If the same

annual percentage rate applies to more than one amount, we apply the

payment to those amounts in the following order:

•• interest charges;

•• fees;

•• any amount payable for insurance relating to the card account, if you

have arranged that insurance with us; and

•• transactions (such as cash advances or purchases).

Within each of the four categories above, the payment is applied in the

order in which the relevant amount was debited to the card account.

If your card account has amounts owing that relate to more than one

promotion plan with the same annual percentage rate, payments will

first be applied to amounts which relate to the promotion plan that

commenced earlier.

If the total payments to the card account since your most recent

statement are more than the closing balance shown on that statement,

we apply the excess to parts of the balance owing on your card

account that have not yet appeared on a statement in the same order

as described above.

23. DEATH OF A CARDHOLDER

We must be notified, without delay, if:

•• you die; or

•• an additional cardholder dies.

24. LIABILITY FOR UNAUTHORISED TRANSACTIONS

24.1 EFT transactions other than Internet and

Phone Banking transactions

This condition 24.1 applies to unauthorised EFT transactions

other than unauthorised Internet and Phone Banking transactions,

condition 26.23 applies to Internet and Phone Banking transactions.

Your liability for unauthorised transactions by use of a card and that

required a manual signature is covered by condition 24.2.

You are not liable for unauthorised transactions if it is clear you did not

contribute to losses resulting from those transactions.

Otherwise, your liability for unauthorised transactions where a PIN is

required will normally be limited to:

(a) $150;

(b) the balance of the EFT accounts on which the unauthorised

transactions were made and to which you have access by use of

your card and PIN; or

(excluding that portion of the loss incurred on any one day which

exceeds the applicable daily transaction limit), whichever is the

smallest amount.

In some circumstances, you may be liable for a greater amount of

unauthorised transactions by use of a card and PIN. Please see below.

You are not liable for losses caused by:

•• the fraudulent or negligent conduct of our staff or agents or of

companies involved in networking arrangements or of merchants

(ie providers of goods or services) who are linked to the electronic

funds transfer system or of their agents or employees; or

•• unauthorised transactions which occur after you have given us

notice as required by condition 8; or

•• for transactions requiring the use of a card or a card and PIN,

unauthorised transactions before you receive your card and/or PIN

(including a replacement or reissued card or PIN). For the avoidance

of doubt, receiving a PIN includes setting a PIN for the first time

when your card is first issued; or

•• a card or PIN that is forged, faulty, expired or cancelled;

•• the same transaction being incorrectly debited more than once to

the same account; or

•• unauthorised transactions that are able to be made using an

identifier without a card or PIN; or

•• unauthorised transactions that are able to be made using a card and

not a PIN, provided the user did not unreasonably delay in reporting

the loss or theft of the card.

When you will be liable for actual losses resulting from an unauthorised

transaction:

(a) For losses arising from transactions which are carried out by you,

a person authorised by you or another person with your knowledge

and consent; or

(b) If you have contributed to the unauthorised use because you:

•• engaged in fraud;

•• voluntarily disclosed your PIN to anyone, including a family

member or friend; or engaged in fraud;

•• indicated your PIN on your card; or engaged in fraud;

•• kept a record of your PIN (without making any reasonable

attempt to disguise the PIN) with any article carried with your

card or liable to loss or theft simultaneously with your card; or

engaged in fraud;

•• selected a PIN which represents your birth date or an

alphabetical code which is recognisable as part of your name

immediately after you were specifically instructed not to select

such a PIN and warned of the consequences of doing so; or

•• left a card in an ATM (provided the ATM incorporates reasonable

safety standards that mitigate the risk of a card being left in

the ATM) or;

•• you acted with extreme carelessness in failing to protect the

security of your PIN,

your liability will not exceed the smallest of:

(i) the actual loss incurred up to the time we are notified of the

loss, theft of your PIN or your card or we are notified of the

existence of unauthorised transactions; or

(ii) the funds available in your card account and your linked

accounts, including any agreed line of credit; or

(iii) the total amount you would have been allowed to draw on the

days that unauthorised use occurs.

you unreasonably delay in notifying us that:

•• your card has been lost, stolen or misused; or

•• your PIN has become known to someone else,

you will be liable for any losses directly attributable to that delay

that were incurred before notification. Your liability of these losses

will not exceed the smallest of:

(i) the actual loss which could have been prevented from occurring

in the period between when you became aware (or should

reasonably have become aware) of the events described above

and the time we were actually notified; or

(ii) the funds available in your card account and your linked accounts

including any agreed line of credit; or

(iii) the total amount you would have been allowed to withdraw on

the days that unauthorised use occurs.

(d) You will not be liable under paragraphs (b) or (c) for losses incurred

on any accounts which we had not agreed could be accessed by

using your card and/or PIN. Your liability under paragraph (b) is

also subject to us proving on the balance of probability that you

contributed to the losses in one or more of the ways described in

paragraph (b).

(e) Your liability for losses from unauthorised transactions will not

exceed the amount of the loss that would result after the exercise of

any claim or other right we have under the rules of the card scheme

against any other party to the card scheme (whether or not that

claim or other right is actually exercised). Refer also to condition 16

in this context.

Liability for manual signature card transactions

24.2 Liability for unauthorised EFT transactions are subject to the

ePayments Code and are covered by conditions 24.1, 26.23 and

27.23. Liability for unauthorised transactions conducted by use of

a card and that require a manual signature are not subject to the

ePayments Code and are covered by this condition 24.2.

Condition 7 sets out your obligations to maintain the security of your

card. Condition 8 sets out your obligations if you lose your card or if

your card is stolen. Please read those conditions carefully.

Normally, if any card is lost or stolen, you will only be liable for

unauthorised transactions by use of the card and a manual signature

up to a maximum of $150. However, if you do not meet the obligations

in condition 7, you are liable for any unauthorised transactions

conducted by use of a card and that required a manual signature. Also,

if you unreasonably delay in notifying us under condition 8 that your

card is lost or stolen, you are liable for any unauthorised transactions

conducted by use of the card and that required a manual signature,

made prior to you notifying us.

In any case, you are not liable for losses caused by:

(a) unauthorised transactions which occur after you have given us

notice as required by condition 8;

(b) unauthorised transactions before you receive your card; or

your card account.

Unauthorised transactions and chargebacks

24.3 Your liability for losses from unauthorised transactions will not exceed

the amount of the loss that would result after the exercise of any claim

or other right we have under the rules of the card scheme against any

other party to the card scheme (whether or not that claim or other right

is actually exercised). Refer also to condition 16 in this context.

Additional cardholders

24.4 Condition 24 applies equally if any additional cardholder contributes to

the unauthorised use or unauthorised transactions in any of the ways

listed in the condition.

Transactions you or an additional cardholder make

24.5 No transaction entered into by you or an additional cardholder can be

an unauthorised transaction for the purpose of this condition 24.

25. DEPOSITS AT ST.GEORGE ATMS

Deposit envelopes from St.George ATMs are opened and the contents

are verified by our staff. If the envelope contents differ from the

amount recorded by the terminal as having been deposited, we correct

the error and tell you as soon as possible about the difference and

the actual amount which has been credited to either or both your card

account and any linked account.

Coins are not accepted for deposit.

Please note: You may make deposits only through a St.George ATM

(this includes BankSA or Bank of Melbourne ATM’s) that accept

deposits. Deposits lodged in an ATM are not available for withdrawal

until we verify the deposit and credit it to your card account or linked

account. A deposit at an ATM is at risk until the deposit is received

by the ATM.

26. INTERNET AND PHONE BANKING

26.1 The Internet and Phone Banking conditions in this condition 26

apply each time you use Internet and Phone Banking.

How to start using Internet and Phone Banking

26.2 You must register before you use Internet and Phone Banking for

the first time. You may ask us to register you by visiting any of our

branches or by phoning 1300 555 203 between 8am and 9pm (EST),

7 days a week. When you ask us, we will register you for Internet and

Phone Banking. For as long as you are registered, you may use Internet

and Phone Banking to access the funds or credit in your card account

and linked accounts and information about your card account and

linked accounts.

26.3 When you are issued with a card, you may be automatically registered

for Internet and Phone Banking. If so, we advise you by letter sent to

the address held on our records.

26.4 When we register you for Internet and Phone Banking:

(a) we give you an Internet and Phone Banking access number. The

number may be the same as the number on your card;

(b) you may select your own Internet and Phone Banking security

number. If you do not select one within the time we allow, we will

issue an Internet and Phone Banking security number to you. If we

issue an Internet and Phone Banking security number to you, we

tell you what the Internet and Phone Banking security number is

by letter sent to the address held on our records. You can select

and change your own Internet and Phone Banking security number

when you use Phone Banking. You can change your Internet and

Phone Banking security number and select and change your own

Internet Banking password when you use Internet Banking. For

your security, we recommend that you select an Internet and Phone

Banking security number that is different from any of your ATM/

EFTPOS PINs. Refer to conditions 26.17 and 26.18 regarding the

security of your Internet and Phone Banking security number;

not select one within the time we allow, we will place your access

to Internet Banking into “inactive” status. For your security, we

recommend that you create an Internet Banking password that is

unique. This password must be at least 6 characters long and must

include both a letter and a number. Refer to conditions 26.17 and

26.18 regarding the security of your Internet Banking password.

(d) You will also be registered automatically for Secure Code Service.

26.5A Your Internet and Phone Banking access number and your Internet

and Phone Banking security number are the access methods for

Phone Banking. Your Internet and Phone Banking access number,

Internet and Phone Banking security number and Internet Banking

password are the access methods for Internet Banking. You can use

your Internet Banking access methods to initiate EFT transactions

on your EFT accounts with us including funds transfers, making BPAY

Payments, ordering bank cheques, ordering telegraphic transfers

and, if you are registered and your loan terms and conditions so allow,

redrawing excess payments on your loan account. You can also use

your Internet and Phone Banking access methods to access any other

credit facility you have with us.

Also, if you register for BPAY View, you may use Internet Banking and

BPAY View to view bills. Please refer to conditions 27.18 and 27.19

for further information.

We may place your Internet and Phone Banking access into an

“inactive status” if you do not access them within 120 consecutive

days. You can re-activate your access anytime by calling us on

1300 555 203.

26.5B

(a) When you use your Internet Banking Access Methods to initiate a

transaction, certain Internet Banking transactions may be identified

by us as “at risk” transactions.

(b) “at risk” transactions can only be performed and completed if they

are authenticated by our Secure Code Service. This includes

using the Secure Code provided by us for each “at risk” transaction.

We will send the Secure Code to either your Australian mobile

phone number by SMS or Australian landline telephone number by

interactive voice response message.

able to perform certain “at risk” transactions using Phone Banking.

(d) In order to receive the Secure Code, you must:

•• provide us with a valid Australian mobile phone number or an

Australian landline telephone number; and

•• choose your preferred method of delivery for the Secure Code –

either via SMS or automated interactive voice response message.

(e) If you do not provide us with a valid Australian mobile or landline

telephone number, when you initiate an Internet Banking

transaction that is an “at risk” transaction, you will not be able to

complete that transaction.

(f) You may from time to time change your preferred method of delivery

for your Secure Code or your telephone number, or both,

by following the instructions provided to you on Internet Banking.

(g) It is your responsibility to inform us of any changes to the telephone

number you have nominated to receive the Secure Code.

(h) If, for some reason, you are unable to participate in our Secure

Code Service, you may discuss with us your special circumstances

by contacting the Internet Banking Helpdesk on 1300 555 203

between 8am and 9pm (AEST), 7 days a week.

26.6 We may cancel your access to Internet and Phone Banking at any

time without prior notice. We inform you in writing after we cancel

your access. You may cancel your registration for Internet and Phone

Banking by telling us at any time that you wish to do so. If your access

to Internet and Phone Banking is cancelled, you may ask us to register

you again. We may refuse to give effect to any Internet and Phone

Banking transaction requested by you without being required to give

any reason or advance notice to you.

26.7 It is your responsibility to obtain and maintain any electronic equipment

(e.g. touch tone telephone or PC) which you may need to have for you to

use Internet and Phone Banking.

Availability

26.8 We will make reasonable efforts to:

•• ensure that Internet and Phone Banking is available during the hours

specified by us from time to time; and

•• ensure that information we make available to you through Internet

and Phone Banking is correct.

Transaction processing and limits

26.9 We will email an electronic receipt for a BPAY Payment or a third party

payment, if you ask us to make that payment at a later time and you

ask us to send you an electronic receipt once we make the payment.

Otherwise, you agree that we will not issue a receipt to you for BPAY

Payments and third party payments you ask us to make from your

card account at a later time. We issue an electronic receipt for other

Internet and Phone Banking transactions at the time of the transaction.

However, an Internet and Phone Banking transaction may not be

processed until the next batch processing day for the account on

which you make the transaction.

26.10 Other than as set out in condition 26.9, we will provide you with a

transaction receipt number each time you make an Internet and Phone

Banking transaction. You should record the transaction receipt number

and it should be quoted if you have any queries in relation to the

transactions.

26.11 We apply an overall $1 million limit per EFT account on the sum of all

Phone Banking and Internet Banking transactions on any one day on

the EFT account.

Also, we apply the following daily limits on the following Internet and

Phone Banking transactions:

•• the sum of $25,000 for transfers from an EFT account used for

business purposes by use of the Internet and Phone Banking access

methods we issue to the person authorising the payment, rather

than the Internet and Phone Banking access methods we issue to

the business itself;

•• the sum of $25,000 to any one of our credit card accounts;

•• $15,000 per EFT account for BPAY Payments to certain

BPAY Billers;

•• $100,000 per EFT account for BPAY Payments to any other

BPAY Billers;

•• the sum of $100,000 for third party payments authorised under

a form you sign and we approve;

•• the sum of $25,000 for third party payments where the payment

particulars to the third party are set up online. Also, within this limit,

we apply a daily limit of $5,000 for the sum of third party payments

to any one payee whose payment particulars are set up online; and

•• there is a minimum redraw of $500 on personal loan accounts.

Also, we apply the following daily limits on the following Internet

Banking transactions:

•• the sum of $25,000 for all bank cheques requested in a day by use

of the access methods for Internet Banking. Also, within this limit,

we apply a daily limit of $5,000 for any one bank cheque requested;

•• there is a minimum amount of $100 and a maximum of $50,000 for

any telegraphic transfer you request online for us to issue.

At any time, you cannot make more than a $1 million funds transfer

by Internet and Phone Banking to one of our home loan or personal

loan accounts.

We tell you in writing if we change these limits. Merchants or other

providers of facilities may impose additional limits.

26.12 If you register for Internet and Phone Banking by phone, we may contact

you (usually within one banking day) to confirm your registration. We do

this to ensure that it was you who registered so as to reduce the risk

of fraudulent use of your EFT accounts. You can choose to set, or we

may set, a $3,000 limit on the following Internet and Phone Banking

transactions prior to our confirming your registration:

•• BPAY Payments

•• third party payments.

The limits in condition 26.11 will apply to your Internet and Phone

Banking transactions once we confirm your registration.

26.13 If you are seeking Internet and Phone Banking to use in relation to an

EFT account which requires two or more to sign, you may only use

Internet and Phone Banking to debit the account via funds transfer or

BPAY if all authorised parties to the account have informed us in writing

and we have approved your use of Internet and Phone Banking.

26.14 You acknowledge and agree that we may record by whatever means

and in accordance with the ePayments Code the transactions which

you effect via Internet and Phone Banking and that we may use these

records to, amongst other things, establish or verify that a particular

transaction was effected through the use of your Internet and Phone

Banking access methods.

26.15 You may use Internet and Phone Banking to make third party payments

from your card account. You may use Internet and Phone Banking to

direct us to make a third party payment from your card account at a

scheduled later time.

You must identify the BSB and the account number of the account to

which you wish to make a third party payment. We rely on the BSB and

account number only to make a third party payment from your card

account. You must take care to identify the correct BSB and account

number for a third party payment. Otherwise, the payment may not be

made to the correct account.

If you use Internet and Phone Banking to schedule making a third party

payment from your card account at a later time, we can accept an

order to stop or alter the payment only if we receive your order before

midnight on the banking day immediately prior to the day on which you

schedule the third party payment to be made. Otherwise, we will not

accept an order to stop or alter a third party payment you schedule to

make from your card account at a later time. Also, we will not accept

an order to stop or alter any other third party payment once you have

instructed us by Internet and Phone Banking to make that payment.

26.16 You may use Internet and Phone Banking to transfer funds between

your EFT accounts. You may use Internet and Phone Banking to direct

us to transfer funds between your EFT accounts at a scheduled

later time.

If you use Internet and Phone Banking to schedule transferring funds

between your EFT accounts at a later time, we can accept an order to

stop or alter the transfer only if we receive your order before midnight

on the banking day immediately prior to the day on which you schedule

the transfer to be made. Otherwise, we will not accept an order to stop

or alter a transfer you schedule to make between your EFT accounts

at a later time. Also, we will not accept an order to stop or alter any

other transfer of funds you ask us to make between your EFT accounts

once you have instructed us by Internet and Phone Banking to make

that transfer.

Security of your Internet and Phone Banking security number and Internet

Banking password

26.17 The security of your Internet and Phone Banking security number and

Internet Banking password is very important as they are comparable

to your signature on a cheque. You must make every effort to ensure

that your Internet and Phone Banking security number and Internet

Banking password, and any record of them, is not misused, lost

or stolen.

If you fail to ensure the security of your Internet and Phone Banking

security number or Internet Banking password your liability is

determined under condition 26.23.

Your obligations – You must:

•• not record your Internet and Phone Banking security number or

Internet Banking password on the computer or telephone that you

use to access phone or Internet Banking

•• not record your Internet and Phone Banking security number or

Internet Banking password on any item that identifies your Internet

and Phone Banking access number or on any article normally carried

with any such item and which is liable to loss or theft with that item

•• not permit any other person to use your Internet and Phone Banking

security number or Internet Banking password

•• not disclose your Internet and Phone Banking security number or

Internet Banking password or make it available to any other person

(including a family member, a friend or one of our staff)

•• use care to prevent anyone else seeing your Internet and Phone

Banking security number or Internet Banking password being

entered into any electronic equipment.

Can you record a memory aid for your Internet and Phone Banking security

number or Internet Banking password?

26.18 If you require a memory aid to recall your Internet and Phone Banking

security number or Internet Banking password you may make such a

record provided the record is reasonably disguised.

However, we do not consider that the following examples provide a

reasonable disguise, and you agree:

•• not to record your disguised Internet and Phone Banking security

number or Internet Banking password on any item that identifies

your Internet and Phone Banking access number

•• not to record your disguised Internet and Phone Banking security

number or Internet Banking password on the computer or telephone

that you use to access Internet or Phone Banking

•• not to disguise your Internet and Phone Banking security number or

Internet Banking password by reversing the number and sequence

•• not to describe your disguised record as a “Internet and Phone

Banking Security Number record” or “Internet Banking password

record” or similar

•• not to disguise your Internet and Phone Banking security number

or Internet Banking password using alphabetical characters

or numbers:

•• A=1, B=2, C=3, etc

•• not to select or disguise your Internet and Phone Banking security

number or Internet Banking password using any of the following

combinations (or parts of them):

(a) dates of birth

(b) personal telephone numbers

(d) family members’ names

(e) social security numbers

(f) licence numbers

•• not to store your Internet and Phone Banking security number or

Internet Banking password in any low security electronic device of any

kind, such as (but not limited to):

(a) calculators

(b) personal computers

There may be other forms of disguise which may also be unsuitable

because of the ease of another person discerning your Internet and

Phone Banking security number or Internet Banking password.

You must exercise extreme care if you decide to record a memory

aid for your Internet and Phone Banking security number or Internet

Banking password.

Please note: Liability for losses resulting from unauthorised

transactions is determined under the relevant provisions of the

ePayments Code, where that Code applies, despite your obligations

set out above.

If your Internet and Phone Banking security number or Internet Banking

password is revealed or you suspect unauthorised transactions

26.19 You must tell us as soon as possible if you suspect that your Internet

and Phone Banking security number or Internet Banking password is

known to someone else or you suspect any unauthorised use of it or

that unauthorised transactions have been made.

You may notify us by telephoning us on 1300 301 805, between 8am

and 9pm (EST) or outside those hours on 1300 555 203,

7 days a week.

26.20 If you do not notify us you may be liable for unauthorised use – see

condition 26.23.

You will need to give us all relevant information you may have, so that

we can suspend phone and Internet access to your EFT accounts. You

must confirm in writing any notice you give us by telephone. A failure

to do so will not affect your liability for unauthorised transactions,

however it will help us to effectively deal with your report.

26.21 When you report the matter you will be given a notification number

(or other form of acknowledgement). You should retain that number

as confirmation of the date and time of your report.

26.22 If you are unable to report to us because our facilities are unavailable

you are not liable for any unauthorised transaction which could have

been prevented if you had been able to tell us, provided you tell us

within a reasonable time after our facilities become available again.

Liability for unauthorised transactions

26.23 You are not liable for unauthorised Internet and Phone Banking

transactions if it is clear you did not contribute to losses resulting from

those transactions.

Otherwise, your liability for unauthorised Internet and Phone Banking

transactions will normally be limited to:

(a) $150;

(b) the balance of the EFT accounts on which the unauthorised Internet

and Phone Banking transactions were made and to which you have

Internet and Phone Banking access; or

to 26.22 (inclusive) (excluding that portion of the loss incurred on

any one day which exceeds the applicable daily transaction limit),

whichever is the smallest amount.

This condition 26.23 applies equally if an additional cardholder

contributed to the unauthorised use or unauthorised transactions in

any of the ways listed in this condition.

You are not liable for losses caused by:

•• the fraudulent or negligent conduct of our staff or agents or of

companies involved in networking arrangements or of merchants

(ie providers of goods or services) who are linked to the electronic

funds transfer system or of their agents or employees; or

•• unauthorised Internet and Phone Banking transactions which occur

after you have given us notice as required by condition 26.19;

•• unauthorised transactions before you receive your Internet and

Phone Banking security number; or

•• any device, identifier or code that is forged, faulty, expired or

cancelled;

•• the same transaction being incorrectly debited more than once

to the same account; or

•• unauthorised transactions that can be made using an identifier

without a device or a code; or

•• unauthorised transactions that can be made using a device and not

a code, provided the user did not unreasonably delay in reporting the

loss or theft of the device.

Your liability for losses from unauthorised transactions will not exceed

the amount of the loss that would result after the exercise of any claim

or other right we have under the rules of the card scheme against any

other party to the card scheme (whether or not that claim or other right

is actually exercised). Refer also to condition 16 in this context.

When you will be liable for actual losses resulting from an

unauthorised transaction

(a) For losses arising from transactions which are carried out by you,

a person authorised by you or another person with your knowledge

and consent; or

(b) If you have contributed to the unauthorised use because you:

•• engaged in fraud;

•• voluntarily disclosed your Internet and Phone Banking security

number or Internet Banking password to anyone, including a

family member or friend; or

•• where a Device is also needed to perform a transaction, kept

a record of your Internet and Phone Banking security number

or Internet Banking password (without making any reasonable

attempt to protect the security of the Internet and Phone

Banking security number or Internet Banking password) with the

Device or in a way that it was liable to loss or theft simultaneously

with that device; or

•• selected an Internet and Phone Banking security number or

Internet Banking password which represents your birth date

or an alphabetical code which is recognisable as part of your

name immediately after you were specifically instructed not to

select such an Internet and Phone Banking security number or

Internet Banking password and warned of the consequences of

doing so; or

•• acted with extreme carelessness in failing to protect the security

of your Internet and Phone Banking security number or Internet

Banking password,

your liability will not exceed the smallest of:

(i) the actual loss incurred up to the time we are notified that the

security of your Internet and Phone Banking security number has

been breached or we are notified of the existence of unauthorised

transactions; or

(ii) the funds available in your card account and your linked accounts

including any agreed line of credit; or

(iii) the total amount you would have been allowed to withdraw on

the days that unauthorised use occurs.

you unreasonably delayed in notifying us that any applicable device

has been lost, stolen or misused or that your Internet and Phone

Banking security number or Internet Banking password has become

known to someone else you will be liable for any losses directly

attributable to that delay that were incurred before notification.

Your liability for these losses will not exceed the smallest of:

(i) the actual loss which could have been prevented from occurring

in the period between when you became aware (or should

reasonably have become aware) of the events described above

and the time we were actually notified; or

(ii) the funds available in your card account and your linked accounts,

including any agreed line of credit; or

(iii) the total amount you would have been allowed to withdraw on

the days that unauthorised use occurs.

(d) No transaction entered into by you or an additional cardholder can

be an unauthorised transaction for the purpose of this condition 26.

(e) You will not be liable under paragraphs (b) or (c) for losses incurred

on any accounts which we had not agreed could be accessed using

an applicable device or identifier and/or your Internet and Phone

Banking security number and Internet banking password. Your

liability under paragraph (b) is also subject to us proving on the

balance of probability that you contributed to the losses in one or

more of the ways described in paragraph (b).

(f) If more than one code is required to perform a transaction and we

prove that a user breached the security requirements for one or

more, but not all, of those codes, you will be liable under this clause

only if we also prove, on the balance of probabilities, that the breach

of the security requirements was more than 50% responsible for

the losses.

Additional cardholders

Conditions 26.23(a) and (b) equally apply if an additional cardholder

contributed to the unauthorised use or unauthorised transactions in

any of the ways listed in those conditions.

Internet and Phone Banking service malfunction

26.24 Please tell us about any service fault or difficulty with our Internet and

Phone Banking service by calling 1300 555 203 between 8am and

9pm (EST), 7 days a week.

Account aggregation services and disclosure of your PIN or Internet and

Phone Banking security number or Internet Banking password

26.25 If you want a third party to collect information about your accounts

from us so that it can be aggregated with information about accounts

you have, you may be asked to give details of your PIN or Internet

and Phone Banking security number or Internet Banking password or

Internet and Phone Banking access number to that third party. Before

doing so you must check that the third party is approved by us.

We will not treat the disclosure of your PIN or Internet and Phone

Banking security number or Internet Banking password or Internet and

Phone Banking access number to a third party we have approved as

a breach by you of conditions 7 (Security of cards and PINs), 8 (Lost

cards or PIN revealed), 24 (Liability for unauthorised transactions) or

26 (Internet and Phone Banking) of these conditions of use.

Business Customers

26.26 If you are seeking to use Internet and Phone Banking in relation to an

EFT account used for business purposes, then despite any other of

these conditions of use, your use of Internet and Phone Banking is

subject to any other additional terms of which we inform you.

27. BPAY SCHEME

27.1 This condition 27 (“BPAY Scheme Terms and Conditions”) applies if you

ask us to make a payment on your behalf through the BPAY Scheme.

We are a member of the BPAY Scheme.

27.2 The BPAY Scheme is an electronic payments Scheme through which

you can ask us whilst we are a member of that scheme to make

payments on your behalf to organisations (“Billers”) who tell you that

you can make payments to them through the BPAY Scheme (“BPAY

Payments”). We will tell you if we are no longer a member of the

BPAY Scheme.

BPAY Payments are made using Internet and Phone Banking.

27.3 You may also receive or access bills or statements electronically

(BPAY View) from participating Billers nominated by you by:

(a opening an email sent to you whenever a bill or statement is

received by us with a link to our Internet Banking website; or

(b) accessing our Internet Banking website.

You may choose to make a BPAY Payment using Internet and Phone

Banking or any other payment method accepted by the Biller.

We are a Biller and you may nominate us as a Biller for the purposes

of BPAY View. You may be able to make a transfer from an account at

another financial institution, which is a member of the BPAY Scheme,

to your EFT accounts through the BPAY Scheme.

27.4 When you ask us to make a BPAY Payment, you must give us the

information specified in condition 27.10 below. We will then debit the

Account you specify with the amount of that BPAY Payment. We may

decide not to make a BPAY Payment if there are not sufficient cleared

funds in that EFT account at the time and when you tell us to make

that payment.

When we make a BPAY Payment on your behalf we are not acting as

your agent or the agent of the Biller to whom that payment is directed.

How to use the BPAY Scheme

27.5 You can ask us to make BPAY Payments from an EFT account you hold

with us if the conditions of the account permit you to make withdrawals

from that EFT account.

We may impose restrictions on the EFT accounts from which a BPAY

Payment may be made. In addition to the limits specified in condition

26.11, a Biller may set limits on the amount of a BPAY Payment to

that Biller.

Some Billers will not accept payment from certain accounts (for

example, credit card accounts).

27.6 If there is any inconsistency between the other conditions applying to

your card account and the BPAY Scheme Terms and Conditions, then

the BPAY Scheme Terms and Conditions will apply to the extent of that

inconsistency.

27.7 When you use your card account to pay a bill through the BPAY

Scheme, we treat that payment as a credit card purchase transaction.

27.8 A mistaken or erroneous payment received by a Biller does not

constitute under any circumstances part or whole satisfaction of any

underlying debt owed between you and that Biller.

Valid payment direction

27.9 We will treat an instruction to make a BPAY Payment as authorised by

you if, when it is given to us:

(a) your Internet and Phone Banking security number and Internet and

Phone Banking access number is entered, if you make the BPAY

Payment by Phone Banking; or

(b) your Internet and Phone Banking security number, your Internet

Banking password and Internet and Phone Banking access number

is entered, if you make the BPAY Payment by Internet Banking.

Information you must give us

27.10 To instruct us to make a BPAY Payment, you must give us the following

information:

(a) the EFT account you want us to debit the payment from;

(b) the amount you wish to pay;

your bill); and

(d) your Customer Reference Number (this can be found on accounts or

invoices you receive from Billers).

Instructions are given by entering the correct numbers into your touchtone

telephone (where you are using the phone) or your computer

(where you are using the Internet).

27.11 We are not obliged to effect a BPAY Payment if you do not give us

all of the above information or if any of the information you give us

is inaccurate.

Payments

27.12 You may use Internet and Phone Banking to direct us to make a BPAY

Payment from your EFT account at a scheduled later time. If you use

Internet and Phone Banking to schedule making a BPAY Payment from

your EFT account at a later time, we can accept an order to stop or

alter the payment only if we receive your order before midnight on

the banking day immediately prior to the day on which you schedule

the BPAY Payment to be made. Otherwise, we will not accept an

order to stop or alter a BPAY Payment you schedule to make from

your EFT account at a later time. Also, we will not accept an order to

stop any other BPAY Payment once you have instructed us to make

that payment.

27.13 You should notify us immediately if you become aware that you may

have made a mistake when instructing us to make a BPAY Payment,

or if you did not authorise a BPAY Payment that has been made from

your EFT account (except for a mistake as to the amount you mean to

pay – for those errors see condition 27.17 below). Conditions 27.24

to 27.26 describe when and how we will arrange for such a BPAY

Payment (other than in relation to a mistake as to the amount you must

pay) to be refunded to you.

27.14 Subject to condition 27.36, Billers who participate in the BPAY

Scheme have agreed that a BPAY Payment you make will be treated

as received by the Biller to whom it is directed:

(a) on the date you make that BPAY Payment, if you tell us to make the

BPAY Payment before our Payment Cut-Off Time (see condition

27.36 below) on a Banking Business Day; or

(b) on the next Banking Business Day, if you tell us to make a

BPAY Payment after our Payment Cut-Off Time (see condition

27.36 below) on a Banking Business Day, or on a non-Banking

Business Day.

27.15 A delay might occur in the processing of a BPAY Payment where:

(a) there is a public or bank holiday on the day after you tell us to make

a BPAY Payment;

(b) you tell us to make a BPAY Payment either on a day which is not

a Banking Business Day or after our Payment Cut-Off Time on a

Banking Business Day;

not comply with its obligations under the BPAY Scheme; or

(d) a Biller fails to comply with its obligations under the BPAY Scheme.

27.16 While it is expected that any delay in processing under this agreement

for any reason set out in condition 27.15 will not continue for more

than one Banking Business Day, any such delay may continue for a

longer period.

27.17 You must be careful to ensure that you tell us the correct amount you

wish to pay. If you instruct us to make a BPAY Payment and you later

discover that:

(a) the amount you told us to pay was greater than the amount you

needed to pay, you must contact the Biller to obtain a refund of the

excess; or

(b) the amount you told us to pay was less than the amount you needed

to pay, you can make another BPAY Payment for the difference

between the amount actually paid to a Biller and the amount you

needed to pay.

27.18 You may register to use BPAY View. You can register for BPAY View

at our website, stgeorge.com.au

27.19 If you register with BPAY View, whilst you are registered you:

(a) agree to our disclosing to Billers nominated by you:

(i) such of your personal information (for example your name,

email address and the fact that you are our customer) as is

necessary to enable Billers to verify that you can receive bills

and statements electronically using BPAY View (or telling them

if you cease to do so); and

(ii) that an event in condition 27.20 (b), (c), (d), (e) or (f) has occurred;

(b) agree to us or a Biller (as appropriate) collecting data about whether

you access your emails, our Internet Banking website and any link to

a bill or statement;

this satisfies the legal obligations (if any) of a Biller to give you bills

and statements. Whilst you remain registered you may receive a

paper bill or statement from the Biller only in the circumstances set

out in condition 27.20. For the purposes of this condition, we are

the agent for each Biller nominated by you under (a) above;

(d) agree to direct to a Biller any enquiry relating to a bill you receive

electronically from that Biller;

(e) agree that the BPAY View terms in these conditions apply to you.

27.20 You may receive paper bills and statements from a Biller instead of

electronic bills and statements:

(a) at your request to a Biller (a fee may be charged by the applicable

Biller for supplying the paper bill or statement to you if you ask for

this in addition to an electronic form);

(b) if you or a Biller de-register from BPAY View;

cannot receive any email notification of a bill or statement;

(d) if your email address is incorrect or cannot be found and your email

is returned to us undelivered;

(e) if we are aware that you are unable to access your email or

our Internet Banking website or a link to a bill or statement for

any reason;

(f) if any function necessary to facilitate BPAY View malfunctions or is

not available for any reason for an extended period.

27.21 You agree that when using BPAY View:

(a) if you receive an email notifying you that you have a bill or

statement, then that bill or statement is received by you:

(i) when we receive confirmation that your server has received the

email notification, whether or not you choose to access your

email; and

(ii) at the email address nominated by you;

(b) if you receive notification on our Internet Banking website without

an email then that bill or statement is received by you:

–– when a notification is posted on our Internet Banking website,

whether or not you choose to access our website; and

–– at our Internet Banking website;

our Internet Banking website for the period determined by the Biller

up to a maximum of 18 months, after which they will be deleted,

whether paid or not;

(d) you will contact the Biller direct if you have any queries in relation

to bills or statements.

27.22 You must:

(a) check your emails or our Internet Banking website at least weekly;

(b) tell us if your contact details (including email address) change;

website or a link to a bill or statement for any reason;

(d) ensure your mailbox can receive email notifications (for example,

it has sufficient storage space available); and

(e) arrange with the Biller to send you bills or statements by an

alternative means if you no longer have an EFT Account with us.

Liability for mistaken payments, unauthorised transactions and fraud

27.23 BPAY participants undertake to promptly process BPAY Payments.

You must tell us promptly:

•• if you become aware of any delays or mistakes in processing your

BPAY Payments;

•• if you did not authorise a BPAY Payment that has been made from

your EFT account; or

•• if you think that you have been fraudulently induced to make a

BPAY Payment.

We will attempt to rectify any such matters in relation to your BPAY

Payments in the way described in conditions 27.24 to 27.26. If the

ePayments Code applies and a BPAY Payment is made on your account

without your knowledge or consent, liability for that unauthorised

BPAY Payment will be determined in accordance with condition 26.23.

Otherwise, except as set out in conditions 27.24 to 27.26 and

condition 27.39 and subject to clause 28.2, we will not be liable for

any loss or damage you suffer as a result of using the BPAY Scheme.

27.24 If a BPAY Payment is made to a person or for an amount which is not in

accordance with your instructions (if any), and your EFT account was

debited for the amount of that payment, we will credit that amount

to your EFT account. However, if you were responsible for a mistake

resulting in that payment and we cannot recover within 20 Banking

Business Days of us attempting to do so the amount of that payment

from the person who received it, you must pay us that amount.

27.25 If a BPAY Payment is made in accordance with a payment direction

which appeared to us to be from you or on your behalf but for which

you did not give authority, we will credit your EFT account with the

amount of that unauthorised payment. However, you must pay us the

amount of that unauthorised payment if:

(a) we cannot recover that amount within 20 Banking Business Days

of us attempting to do so from the person who received it; and

(b) the payment was made as a result of a payment direction which did

not comply with our prescribed security procedures for such payment

directions.

27.26 If a BPAY Payment is induced by the fraud of a person involved in the

BPAY Scheme, then that person should refund you the amount of

the fraud-induced payment. However, if that person does not refund

you the amount of the fraud-induced payment, you must bear the

loss unless some other person involved in the BPAY Scheme knew

of the fraud or would have detected it with reasonable diligence, in

which case we will attempt to obtain a refund for you of the fraudinduced

payment.

27.27 If a BPAY Payment you have made falls within the type described in

condition 27.25 and also conditions 27.24 or 27.26, then we will

apply the principles stated in condition 27.25.

If a BPAY Payment you have made falls within both the types described

in conditions 27.24 and 27.26, then we will apply the principles stated

in condition 27.26.

27.28 Except where a BPAY Payment is a mistaken payment referred to in

condition 27.24, an unauthorised payment referred to in condition

27.25, or a fraudulent payment referred to in condition 27.26, BPAY

Payments are irrevocable. No refunds will be provided through the

BPAY Scheme where you have a dispute with the Biller about any goods

or services you may have agreed to acquire from the Biller. Any dispute

must be resolved with the Biller.

Important

Even where your BPAY Payment has been made using your card

account, no “chargeback” rights will be available under BPAY scheme

rules. Please see condition 16 for further information on chargebacks.

27.29 Your obligation under conditions 27.24 and 27.25 to pay us the

amount of any mistaken or unauthorised payment (as applicable)

is subject to any of your rights referred to in condition 27.39.

27.30 You indemnify us against any loss or damage we may suffer due to any

claim, demand or action of any kind brought against us arising directly

or indirectly because you:

(a) did not observe any of your obligations under the BPAY Scheme

Terms and Conditions; or

(b) acted negligently or fraudulently in connection with these

conditions.

27.31 If you tell us that a BPAY Payment made from your account is

unauthorised, you must first give us your written consent addressed to

the Biller who received the BPAY Payment, consenting to us obtaining

from the Biller information about your account with that Biller of the

BPAY Payment, including your customer reference number and such

information as we reasonably require to investigate the BPAY Payment.

We are not obliged to investigate or rectify any BPAY Payment if you do

not give us this consent. If you do not give us that consent, the Biller

may not be permitted under law to disclose to us information we need

to investigate or rectify that BPAY Payment.

BPAY View billing errors

27.32 For the purposes of conditions 27.33 and 27.34, a BPAY View billing

error means any of the following:

(a) if you have successfully registered with BPAY View:

•• failure to give you a bill (other than because you failed to view an

available bill);

•• failure to give you a bill on time (other than because you failed

to view an available bill on time);

•• giving a bill to the wrong person;

•• giving a bill with incorrect details;

(b) if your BPAY View deregistration has failed for any reason:

giving you a bill if you have unsuccessfully attempted to deregister.

27.33 You agree that if a BPAY View billing error occurs:

(a) you must immediately upon becoming aware of the BPAY View

billing error take all reasonable steps to minimise any loss or

damage caused by the BPAY View billing error, including contacting

the applicable Biller and obtaining a correct copy of the bill; and

(b) the party who caused the error is responsible for correcting it and

paying any charges or interest which would ordinarily be payable to

the applicable Biller due to any consequential late payment and as

a result of the BPAY View billing error.

27.34 You agree that for the purposes of this condition you are responsible

for a BPAY View billing error if the BPAY View billing error occurs as

a result of an act or omission by you or the malfunction, failure or

incompatibility of computer equipment you are using at any time to

participate in BPAY View.

Suspension

27.35 We may suspend your right to participate in the BPAY Scheme at

any time if you or someone acting on your behalf is suspected of

being fraudulent.

Cut-off times

27.36 If you tell us to make a BPAY Payment before the times specified in

the box below, it will in most cases be treated as having been made

on the same day.

However, the payment may take longer to be credited to a Biller if

you tell us to make a BPAY Payment on a Saturday, Sunday or a public

holiday or if another participant in the BPAY Scheme does not process

a BPAY Payment as soon as they receive its details.

When a Biller cannot process your payment

27.37 If we are advised that your BPAY Payment cannot be processed by

a Biller, we will:

(a) advise you of this;

(b) credit your account with the amount of the BPAY Payment; and

making a BPAY Payment to that Biller as quickly as possible.

Account records

27.38 You should check your EFT account records carefully and promptly

report to us as soon as you become aware of them, any BPAY

Payments that you think are errors or are BPAY Payments that you did

not authorise or you think were made by someone else without your

permission.

Consequential damage

27.39 This condition does not apply to the extent that it is inconsistent

with or contrary to any applicable law or code of practice to which we

have subscribed. If those laws or that code would make this condition

illegal, void or unenforceable or impose an obligation or liability which is

prohibited by those laws or that code, this condition is to be read as if it

were varied to the extent necessary to comply with those laws or that

code or, if necessary, omitted.

We are not liable for any consequential loss or damage you suffer

as a result of using the BPAY Scheme, other than due to any loss or

damage you suffer due to our negligence or in relation to any breach

of a condition or warranty implied by law in contracts for the supply

of goods and services and which may not be excluded, restricted or

modified at all or only to a limited extent.

Cut-off times:

7 days per week: 5.30pm (EST)

Privacy

27.40 In addition to condition 27.19, if you register to use the BPAY

Scheme, you agree to our disclosing to Billers nominated by you and

if necessary the entity operating the BPAY Scheme (BPAY Pty Ltd)

and any agent appointed by it from time to time, including Cardlink

Services Limited, that provides the electronic systems needed to

implement the BPAY Scheme:

(a) such of your personal information (for example your name, email

address and the fact that you are our customer) as is necessary

to facilitate your registration for or use of the BPAY Scheme;

(b) such of your transactional information as is necessary to process,

rectify or trace your BPAY Payments. Your BPAY Payments

information will be disclosed by BPAY Pty Ltd, through its agent,

to the Biller’s financial institution and your information necessary

to process your use of BPAY View, will be disclosed by BPAY Pty

Ltd, through its agent, to the Biller. Also, we may disclose such of

your transactional information as is necessary to rectify or trace a

BPAY Payment you make by mistake to the Biller that received the

payment and the Biller to whom you intended to make the payment

or the financial institution of either or both Billers; and

You must notify us, if any of your personal information changes and you

consent to us disclosing your updated personal information to all other

participants in the BPAY Scheme referred to in this condition 27.40,

as necessary.

You can request access to your information held by us, BPAY Pty Ltd

or its agent by phoning 13 33 30 or Cardlink Services Limited at their

contact details listed in condition 27.41.

If your personal information detailed above is not disclosed to BPAY Pty

Ltd or its agent, it will not be possible to process your requested BPAY

Payment or use of BPAY View.

Definitions

27.41 For the purposes of this condition 27, Banking Business Day: means

any day on which banks in Melbourne or Sydney are able to effect

settlement through the Reserve Bank of Australia.

Payment Cut-Off Time: means, with respect to a Banking Business

Day, the time specified in condition 27.36 for that day.

BPAY Pty Ltd means BPAY Pty Ltd ABN 69 079 137 518 of Level 11,

1 York Street Sydney NSW 2000 Tel: (02) 8252 0500.

Cardlink Services Limited means Cardlink Services Limited

ABN 60 003 311 644 of Cnr Park Road and South Parade Auburn

2144 Tel: (02) 9646 9222.

28. ELECTRONIC BANKING SYSTEM MALFUNCTION

28.1 Alternative Procedure

If the electronic banking system malfunctions, alternative manual

procedures may be available from the merchant for retail point of sale

transactions by using your card and signing your authorisation of

the transaction.

28.2 Liability

We are responsible for loss caused by the failure of our electronic

equipment or EFT system to complete a transaction accepted by

our electronic equipment or EFT system in accordance with

your instructions.

Notwithstanding anything else in these terms & conditions, for

transactions governed by the ePayments Code, we do not deny your

right to claim consequential damages resulting from a malfunction

of a system or equipment provided by a party to a shared electronic

payments network that you are entitled to use pursuant to these terms &

conditions except where you should have been aware that the system or

equipment was unavailable for use or malfunctioning, in which case our

liability is limited to the correction of any errors in the account, and the

refund of any charges or fees imposed on you as a result.

We correct the loss by making any necessary adjustment to the

appropriate account (including adjustment of interest or fees as a

result of the malfunction).

Please tell us about any service fault or difficulty with a terminal by

calling our Customer Service Centre on 13 33 30 (within Australia).

29. RESOLVING DISPUTES

If you have a complaint concerning matters covered by these

conditions (including any apparent error in a transaction or

unauthorised transactions or an error on your statement) you must tell

us promptly as explained in conditions 8 and 16.

You can lodge a complaint at any of our branches or telephone our

Customer Service Centre on 13 33 30 (within Australia).

If we are unable to resolve the matter immediately to the satisfaction

of both you and us, we will inform you in writing of our procedures to

investigate and handle the matter. We will notify you of the name and

contact number of the person who is investigating your complaint.

If it is unclear whether you have contributed to the loss, we will

consider all reasonable evidence, including all reasonable explanations

for the transaction occurring. (The fact that your account has been

accessed with the correct PIN or Internet and Phone Banking access

methods, whilst significant, will not be conclusive evidence that you

have contributed to the loss). We will not require you to raise complaints

or disputes in relation to the processing of EFT transactions with any

other party to the shared EFT system. Where we have been notified

by another party to the shared EFT system, or form the view that

a transaction has been debited or credited incorrectly to your card

account, we will investigate.

We tell you either the outcome of our investigation or the fact that we

need more time to complete our investigation. We do this in writing

within 21 days of our receiving your complaint. In all but exceptional

cases we take less than 45 days to complete our investigation. (If it

takes longer, we tell you in writing). In the case of an EFT transaction,

if we seek to resolve your complaint by exercising our rights under the

rules of a card scheme, in all but exceptional cases we take less than

60 days to complete our investigation. For other transactions, we will

inform you of the outcome of the investigation when the investigation

is completed.

Where an investigation continues beyond 45 days, we will inform you

of the reasons for the delay, give you monthly updates on the progress

of the investigation and inform you of a date when a decision can

reasonably be expected. We will not do this if we have requested a

response from you and we are waiting for that response.

In the case of an EFT transaction, if we are resolving your complaint

under the rules of a card Scheme and the investigation continues

beyond 60 days, we will inform you of the reasons for the delay,

give you updates once every two months on the progress of the

investigation and inform you of a date when a decision can reasonably

be expected. We will not do this if we have requested a response from

you and we are waiting for that response. Your obligation to pay the

amount that is the subject of your complaint and any credit and other

charges related to that amount will be suspended until your complaint

is resolved.

When we complete our investigation we advise you in writing of

the outcome and our reasons for our decision with reference to any

relevant provisions of these conditions.

If we decide that your card account has been incorrectly debited or

credited, we promptly adjust the account (including any fees and

charges) and tell you in writing of the amount which has been debited

or credited to your card account as a result. Any correction will be

included in your next statement. We will also notify you as soon as

practicable after reversing an incorrect credit. If you request, we

will provide you with further details about any corrections shown

on your statement. If we decide that your card account has not

been incorrectly debited or credited, or in the case of unauthorised

transactions, that you contributed to at least part of the loss (see

conditions 24 and 26.23), we provide you with copies of any document

or other evidence on which we based our decision.

If you are not satisfied with our decision, you may request a review

of the decision by our senior management. Also, you can ask for your

complaint to be reviewed by the Financial Ombudsman Service. The

Ombudsman’s contact details are set out on page 56 of this booklet.

This is a free, external and independent process for resolving disputes

between banks and customers. Please refer to our complaints brochure

(available at branches or by ringing us) for more information.

In relation to an EFT transaction we fail to observe these conditions

when we allocate liability or when conducting our complaint

investigation and dispute resolution procedures and as a result there is

unreasonable delay or the outcome of our investigation is prejudiced,

we will accept full liability for the amount that is the subject of your

complaint.

30. CERTIFICATES

A certificate signed by one of our officers stating that an amount is

due from you to us in respect of the card account or stating any other

facts will be sufficient evidence of the amount or the facts, unless it is

proved to be incorrect.

31. WHAT HAPPENS IF YOU BREACH ANY OF

THESE CONDITIONS?

If you breach any of these conditions, we may do any or all of

the following:

•• close your card account (condition 34 will apply); or

Enforcement expenses may become payable under this

agreement in the event of a breach.

•• cancel any card (condition 34 will apply); or

•• not issue any replacement or renewal card; or

•• combine your card account with any other account you have with us.

This allows us to use any money you have in another account with us

towards repaying the balance owing on your card account. We may

combine your accounts without giving you any prior notice, but we

will tell you promptly afterwards.

Also, you must pay the reasonable enforcement expenses we

reasonably incur in enforcing the credit card contract.

32. CLOSING YOUR CARD ACCOUNT

You may close your card account at any time by visiting your local

branch, by telling us by telephone or by written notification and

destroying all cards on the card account to render them unusable by

cutting all cards in half through the magnetic strip and card chip for

your protection.

If your card account has a positive (credit) balance when it is closed,

we may send you a bank cheque or direct credit the closing credit

balance of your card account (unless those funds have been submitted

as unclaimed monies in accordance with the law) into another credit

or transaction account you have with us. You can visit any branch to

find out how to recover unclaimed money (although it may take three

months or more to recover money that has been transferred to

the government).

33. CANCELLATION OF CARDS

We may cancel any card and suspend the operation of your card

account at any time without notice for any reason. We notify you as

soon as possible afterwards. Without limiting the reasons why we may

do so, this may happen if:

•• we reasonably consider you induced us to issue your card

by fraud; or

•• we believe the card is being used in a way that may cause loss

to you or us; or

•• you die; or

•• your card account is a joint account and one of you asks us to

terminate his/her liability for further advances on the account; or

•• your card account becomes inactive and has a nil balance.

You must not use your card and you must destroy all cards on

your card account to render them unusable by cutting all cards in

half through the magnetic strip and card chip for your protection

immediately if:

•• we close your card account; or

•• we cancel your cards; or

•• we request you to do so.

If an additional cardholder dies, you must destroy all cards,

without delay.

Without limiting clause 34, if your card account has a positive (credit)

balance when it is closed or cancelled, we may send you a bank cheque

or direct credit the closing credit balance of your card account (unless

those funds have been submitted as unclaimed monies in accordance

with the law) into another credit or transaction account you have with

us. We will usually notify you before we close your card account, but

there may be circumstances where we are not able to (such as where

our record of your address is out of date). You can visit any branch

to find out how to recover unclaimed money (although it may take

three months or more to recover money that has been transferred to

the government).

If your card account becomes inactive and has a (credit) balance,

and if we have not closed your card account in accordance with

these Conditions of Use, we will hold the credit balance in your card

account until you contact us to claim those funds, or we are required to

submit those funds as unclaimed monies in accordance with the law,

whichever occurs first.

34. PAYMENT ON CLOSURE OR CANCELLATION

If you or we close your card account, or if we cancel your card in any

circumstances, you must immediately:

•• destroy all cards on your card account; and

•• pay the balance owing on your card account (together with

amounts for transactions not yet processed on your card account,

accrued interest charges which have not yet been debited,

government taxes and duties and other charges, any fees and

charges we may charge under these conditions and our reasonable

enforcement expenses. Also, clauses 6 and 24 apply if a card is

used without your knowledge or consent during that period).

You acknowledge that there is no agreement, arrangement or

understanding between you and us that we may demand repayment

only when a particular event occurs or does not occur.

Without limiting this clause 34, if your card account has a positive

(credit) balance when it is closed or cancelled, we may send you a

bank cheque or direct credit the closing credit balance of your card

account (unless those funds have been submitted as unclaimed monies

in accordance with the law) into another credit or transaction account

you have with us. We will usually notify you before we close your card

account, but there may be circumstances where we are not able to

(such as where our record of your address is out of date). You can visit

any branch to find out how to recover unclaimed money (although

it may take three months or more to recover money that has been

transferred to the government).

35. ASSIGNMENT

We may assign or otherwise deal with our rights under this agreement

in any way we consider appropriate. You agree that we may disclose

any information or documents we consider desirable to help us

exercise this right. You also agree that we may disclose information or

documents at any time to a person to whom we assign our rights under

this agreement.

36. CANCELLATION OF DEBIT AUTHORITIES ON YOUR

CARD ACCOUNT

If your card account is closed or cancelled you must immediately notify,

in writing, the institutions who have the authority to debit the card

account. Until notification is given, you will be liable for any further

debits to your card account.

37. CHANGES TO THESE CONDITIONS

We may change these conditions from time to time including by

imposing new fees and charges. If we do change these conditions we

will give you:

(a) at least 20 days’ notice in writing of any change to:

•• impose or increase charges relating to the issue or replacement

of a device or code or for performing and EFT transaction;

•• increase your liability for losses relating to EFT transactions; or

•• impose, remove or adjust daily transaction limits or other periodic

transaction limits applying to EFT transactions, an account or

electronic equipment;

(b) notice in writing or by newspaper advertisement of any other change

to these conditions as required or permitted by law, the Code of

Banking Practice or the ePayments Code.

38. NON-ST.GEORGE GROUP ATMS

Other financial institutions can determine from time to time what

transactions can be carried out at their ATMs. You should ask us about

the range of those transactions from time to time.

A transaction fee may be payable if you use your card in a

non-St.George Group branded ATM.

For the purposes of this clause non-St.George Group branded means

ATMs that are not branded St.George, BankSA, Bank of Melbourne

or Westpac.

39. TERMINAL TRANSACTIONS

Our Visa cards can be used to obtain cash in local currency at most

overseas terminals displaying the Visa logo.

Our MasterCard cards can be used to obtain cash in local currency

at most overseas terminals displaying the MasterCard logo.

Please refer to condition 14 for information on the processing of

foreign currency transactions on your card account.

Some keyboards at terminals do not display the letters of the alphabet

as shown below. The number which is equivalent to your PIN must be

keyed to complete a transaction.

1 QZ 2 ABC 3 DEF CLEAR

4 GHI 5 JKL 6 MNO CANCEL

7 PRS 8 TUV 9 WXY ENTER

40. GENERAL INFORMATION

You may obtain from any St.George branch or by calling our

Customer Service Centre – within Australia on 13 33 30 – general

information on:

•• account opening procedures;

•• our confidentiality obligations;

•• dispute handling procedures;

•• combining accounts;

•• bank cheques;

•• cheque and cheque clearing;

•• EFT channels;

•• informing us promptly if you are having financial difficulty;

•• the importance of your reading the terms and conditions applying to

the banking services you obtain from us; and

•• current interest rates, fees and charges.

41. NATIONAL CREDIT CODE

To the extent that a National Credit Code applies to this

agreement and:

(a) that Code would otherwise make a provision of this agreement

illegal, void or unenforceable; or

(b) a provision of this agreement would otherwise contravene a

requirement of that Code or impose an obligation or liability which is

prohibited by that Code,

this agreement is to be read as if that provision were varied to the

extent necessary to comply with that Code or, if necessary, omitted.

42. GST

You must increase the amount (“original amount”) of any payment

due by you at any time under this agreement by an additional amount

sufficient to cover any GST payable by us on your payment, if not

already included in the calculation of that original amount.

The total amount received by us, after discount for that amount of any

GST payable by us on that total, must equal the original amount.

We will tell you of any additional GST amount, if it has not already been

set out in this agreement.

You must pay, as requested by us, any additional amount necessary to

compensate us for any direct or indirect increase resulting from any

GST in the cost to us of:

•• carrying on the business connected with making, funding,

maintaining or administering this agreement; or

•• any possession, repair or sale of, or other dealing or action relating

to, any property connected with this agreement or any security.

43. BALANCE TRANSFERS

(a) You may request us to transfer to the card account the outstanding

balance or any part thereof of a credit or store card account with

another credit provider (“the other credit or store card account”);

(b) We will not be responsible for any delays in processing a balance

transfer request and we will not close the other credit or store

card account;

transfer if:

•• the balance transfer amount requested plus the balance owing on

your card account will exceed 80% of your available credit limit;

•• the requested balance transfer amount is less than $200 (or any

amount notified or agreed to by us from time to time);

•• the other credit or store card account in question is a St.George

account or relates to a charge or credit card issued outside

Australia; or

•• you have breached these conditions of use;

(d) We will not be liable for any overdue payment, interest, fees or other

amounts incurred on any credit or store card account from which

you have requested a balance transfer;

(e) There is no interest free period for balance transfers. Interest is

charged on transferred amounts from the date of transfer;

(f) If you breach these conditions of use, any promotional annual

percentage rates in connection with any balance transfer shall

cease immediately, and the then current annual percentage rate

shall apply to such balance transfers.

44. APPROPRIATE USE OF OUR SERVICES

(a) You warrant that your use of the services we provide will not breach

any law of Australia or any other country.

(b) Where we consider it necessary for us to meet our regulatory and

compliance obligations:

(i) you must provide us with any information we reasonably request;

(ii) we will disclose information we hold to regulatory and law

enforcement agencies, other financial institutions, third parties

and members of the St.George Group; and

(iii) we may delay, block or refuse to provide any of our services.

We will not be liable to you or any other person for any loss or damage

of any kind that may be suffered as a result of us exercising our rights

under this clause.

45. OUR REPORTING OBLIGATIONS

We are required to identify certain US persons in order to meet

account information reporting requirements under local and

international laws.

If you or (where you are an entity) any office bearer* of the entity and/

or any individual who holds an interest in the entity of more than

25% (a Controlling Person) are a US citizen or US tax resident, you

must telephone 1300 663 738 at the time of accepting these Terms

and Conditions. When you contact us you will be asked to provide

additional information about your US tax status and/or the US tax

status of any Controlling Person which will constitute certification of

US tax status for the purposes of the application to which these Terms

and Conditions relate.

Unless you notify us that you and/or any Controlling Person are a US

citizen or US tax resident as specified above, accepting these Terms

and Conditions constitutes certification that you and/or any Controlling

Person are not a US citizen or US tax resident.

If at any time after account opening, information in our possession

suggests that you and/or any Controlling Person may be a US citizen or

US tax resident, you may be contacted to provide further information

on your US tax status and/or the US tax status of any Controlling

Person. Failure to respond may lead to certain reporting requirements

applying to the account.

*Director of a company, partner in a partnership, trustee of a trust,

chairman, secretary or treasurer of an association or co-operative.

Information statement

Things you should know about your proposed credit contract

This statement tells you about some of the rights and obligations of yourself

and your credit provider. It does not state the terms and conditions of

your contract.

If you have any concerns about your contract, contact the credit provider and,

if you still have concerns, your credit provider’s external dispute resolution

scheme, or get legal advice.

THE CONTRACT

1. How can I get details of my proposed credit contract?

Your credit provider must give you a precontractual statement

containing certain information about your contract. The precontractual

statement, and this document, must be given to you before:

•• your contract is entered into; or

•• you make an offer to enter into the contract;

whichever happens first.

2. How can I get a copy of the final contract?

If the contract document is to be signed by you and returned to your

credit provider, you must be given a copy to keep.

Also, the credit provider must give you a copy of the final contract

within 14 days after it is made. This rule does not, however, apply if

the credit provider has previously given you a copy of the contract

document to keep.

If you want another copy of your contract, write to your credit provider

and ask for one. Your credit provider may charge you a fee. Your credit

provider has to give you a copy:

•• within 14 days of your written request if the original contract came

into existence 1 year or less before your request; or

•• otherwise within 30 days of your written request.

3. Can I terminate the contract?

Yes. You can terminate the contract by writing to the credit provider

so long as:

•• you have not obtained any credit under the contract; or

•• a card or other means of obtaining credit given to you by your credit

provider has not been used to acquire goods or services for which

credit is to be provided under the contract.

However, you will still have to pay any fees or charges incurred before

you terminated the contract.

4. Can I pay my credit contract out early?

Yes. Pay your credit provider the amount required to pay out your credit

contract on the day you wish to end your contract.

5. How can I find out the pay out figure?

You can write to your credit provider at any time and ask for a

statement of the pay out figure as at any date you specify. You can also

ask for details of how the amount is made up.

Your credit provider must give you the statement within 7 days after

you give your request to the credit provider. You may be charged a fee

for the statement.

6. Will I pay less interest if I pay out my contract early?

Yes. The interest you can be charged depends on the actual time

money is owing. However, you may have to pay an early termination

charge (if your contract permits your credit provider to charge one)

and other fees.

7. Can my contract be changed by my credit provider?

Yes, but only if your contract says so.

8. Will I be told in advance if my credit provider is going to make

a change in the contract?

That depends on the type of change. For example:

•• you get at least same day notice for a change to an annual

percentage rate. That notice may be a written notice to you or

a notice published in a newspaper.

•• you get 20 days advance written notice for:

–– a change in the way in which interest is calculated; or

–– a change in credit fees and charges; or

–– any other changes by your credit provider;

except where the change reduces what you have to pay or the

change happens automatically under the contract.

9. Is there anything I can do if I think that my contract is unjust?

Yes. You should first talk to your credit provider. Discuss the matter

and see if you can come to some arrangement.

If that is not successful, you may contact your credit provider’s external

dispute resolution scheme. External dispute resolution is a free service

established to provide you with an independent mechanism to resolve

specific complaints. Your credit provider’s external dispute resolution

provider is the Financial Ombudsman Service and can be contacted on

1800 367 287, at www.fos.org.au or by writing to:

Financial Ombudsman Service

GPO Box 3

Melbourne VIC 3001

Alternatively, you can go to court. You may wish to get legal advice,

for example from your community legal centre or Legal Aid.

You can also contact ASIC, the regulator, for information on

1300 300 630

or through ASIC’s website at http://www.asic.gov.au.

INSURANCE

10. Do I have to take out insurance?

You can decide if you want to take out insurance or not. If you take out

insurance, the credit provider can not insist that you use any particular

insurance company.

11. Will I get details of my insurance cover?

Yes, if you have taken out consumer credit insurance and the premium

is financed by your credit provider. In that case the insurer must give

you a copy of the policy within 14 days after the insurer has accepted

the insurance proposal.

Also, if you acquire an interest in any such insurance policy which

is taken out by your credit provider then, within 14 days of that

happening, your credit provider must ensure you have a written notice

of the particulars of that insurance.

You can always ask the insurer for details of your insurance contract. If

you ask in writing, your insurer must give you a statement containing all

the provisions of the contract.

12. If the insurer does not accept my proposal, will I be told?

Yes, if the insurance was to be financed by the credit contract.

The insurer will inform you if the proposal is rejected.

13. In that case, what happens to the premiums?

Your credit provider must give you a refund or credit unless the

insurance is to be arranged with another insurer.

GENERAL

14. What do I do if I can not make a repayment?

Get in touch with your credit provider immediately. Discuss the matter

and see if you can come to some arrangement. You can ask your credit

provider to change your contract in a number of ways:

•• to extend the term of your contract and reduce payments; or

•• to extend the term of your contract and delay payments for a

set time; or

•• to delay payments for a set time.

15. What if my credit provider and I can not agree on a

suitable arrangement?

If the credit provider refuses your request to change the repayments,

you can ask the credit provider to review this decision if you think

it is wrong.

If the credit provider still refuses your request you can complain to the

external dispute resolution scheme that your credit provider belongs to.

Further details about this scheme are set out below in question 17.

16. Can my credit provider take action against me?

Yes, if you are in default under your contract. But the law says that

you can not be unduly harassed or threatened for repayments. If

you think you are being unduly harassed or threatened, contact the

credit provider’s external dispute resolution scheme or ASIC, or get

legal advice.

17. Do I have any other rights and obligations?

Yes. The law will give you other rights and obligations. You should also

READ YOUR CONTRACT carefully.

IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT,

OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVIDER.

YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR

CREDIT PROVIDER BEFORE CONTACTING YOUR CREDIT PROVIDER’S

EXTERNAL DISPUTE RESOLUTION SCHEME. IF YOU HAVE A COMPLAINT

WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT

PROVIDER YOU CAN CONTACT YOUR CREDIT PROVIDER’S EXTERNAL

DISPUTE RESOLUTION SCHEME OR GET LEGAL ADVICE.

EXTERNAL DISPUTE RESOLUTION IS A FREE SERVICE ESTABLISHED

TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE

SPECIFIC COMPLAINTS. YOUR CREDIT PROVIDER’S EXTERNAL

DISPUTE RESOLUTION PROVIDER IS THE FINANCIAL OMBUDSMAN

SERVICE AND CAN BE CONTACTED ON 1800 367 287,

AT WWW.FOS.ORG.AU OR BY WRITING TO:

FINANCIAL OMBUDSMAN SERVICE GPO BOX 3 MELBOURNE VIC 3001

PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME

INFORMATION FROM IT AT A LATER DATE.

Credit Guide

This Credit Guide gives you important information about the products we

provide which are regulated by the National Credit Code (“consumer lending

products”).

In this document, the words “we”, “us”, “our” and “St.George Bank”

refer to St.George Bank –a Division of Westpac Banking Corporation

ABN 33 007 457 141 AFSL and Australian credit licence 233714.

St.George Bank has additional products and services that are not covered

by this document. In your interaction with St.George Bank, you may receive

Financial Services Guides and additional Credit Guides.

St.George Bank’s consumer lending products include:

•• Credit cards

•• Home loans

•• Residential property investment loans, and

•• Personal loans.

1. Our general obligations

In relation to our consumer lending products, we will not, as

a credit provider:

•• Enter into a credit contract with you; or

•• Increase the credit limit of a credit contract with you,

if we assess that the credit contract is unsuitable for you.

We refer to this assessment as the Suitability Assessment.

2. When will the credit contract be unsuitable?

A credit contract will be unsuitable if:

•• The credit contract does not meet your requirements or

objectives; or

•• It is likely that you will be unable to comply with your financial

obligations under the credit contract; or

•• It is likely that you could only comply with your financial obligations

under the credit contract with substantial hardship.

3. How can you access a copy of the Suitability Assessment?

If your application for credit or increase in credit has been approved, you

can call the St.George Customer Relations Team on 1800 804 728,

and request a written copy of the Suitability Assessment which we will

provide within the following timeframes:

Your request

is made We will give you your assessment:

Before the

Credit Day*

As soon as possible after we receive

your request

Up to 2 years after

the Credit Day*

Within 7 business days after we receive

your request

Between 2 and

7 years after the

Credit Day*

Within 21 business days after we

receive your request

* The Credit Day is the date the credit contract is entered into or the

credit limit is increased.

We are not required to provide you a copy of the assessment if the

credit application or increase has been declined or if the credit contract

your request relates to was entered into before 1 January 2011.

4. Getting your complaint heard

Our staff are here to help you. So if you have a concern or complaint,

please talk to our staff at your local branch, your initial contact

person from St.George Bank (for example your Financial Adviser), or

alternatively telephone the St.George Bank Customer Contact Centre

on 13 33 30.

A copy of our St.George Bank “Let us know what you think” brochure is

also available for you to download on our website: stgeorge.com.au or

is available at your local branch.

If we do not satisfy your concern or complaint, please contact our

Customer Relations Team.

5. Our Customer Relations Team

If our branch, Customer Contact Centre or Financial Adviser have not

resolved your concern or complaint, please call our Customer Relations

Team. Our Customer Relations Officers are there to find a solution

for you, by investigating the concern you have raised. The Customer

Relations Officer will inform you of our decision as set out in our

St.George Bank “Let us know what you think” brochure.

St.George Customer Relations

Call 1800 804 728

Fax (02) 9952 1080

Email customerrelations@stgeorge.com.au

Customer Relations Department Locked Bag

1 Kogarah, NSW 1485

What to do if you are still unhappy

Financial

Ombudsman

Service (FOS)

GPO Box 3 Melbourne VIC 3001

Telephone: 1800 367 287

Fax: (03) 9613 6399 Internet: www.fos.org.au

Australian Securities

& Investments

Commission (ASIC)

ASIC has a free call Infoline on 1300 300 630.

You can call this number to make a complaint and to

obtain more information about your rights.

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St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

ST22422 1117

Important

Should you lose your card, immediately

notify the 24-hours card service centre

on 1800 028 208 within Australia,

7 days a week on 13 33 30

To find out more, or apply for cover:

Ask at any branch.

Call us on 13 33 30, 8.00am to 8.00pm

Monday to Friday (Sydney time).

Visit stgeorge.com.au