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					Suncorp Clear Options
Credit Card



Non-Cash Payment Facilities
Terms and Conditions




May 2009
This	document	applies	to	the	following                    Terms and Conditions
Non-Cash Payment Facilities                               These Terms and Conditions govern your use
1.	    Internet	Banking                                   of the non-cash payment facilities provided
2.	    Telephone	Banking                                  by Citibank and Suncorp (“Non-Cash Payment
3.	    BPay®                                              Facilities”) when used in conjunction with your
4.		   Direct	Debits                                      Suncorp Clear Options credit card account.
5.		   EFTPOS                                             Suncorp provides the following Non-Cash Payment
6.		   ATM                                                Facilities:
       for	Suncorp	Clear	Options	credit	card	accounts	    •	 Internet	Banking
       only.                                              •	 Telephone	Banking
Effective	from	23	May	2009                                •	 BPay®
This	document	is	jointly	issued	by:                       (“Suncorp Non-Cash Payment Facilities”)
Citigroup	Pty	Limited	ABN	88	004	325	080,	                Please refer to Part 1 of this document for the relevant
AFSL	No.238098	(“Citibank”)	and                           terms and conditions for Suncorp Non-Cash Payment
Suncorp-Metway	Limited	ABN	66	010	831	722,	               Facilities.
AFSL	229882	(“Suncorp”)                                   Citibank	provides	the	following	Non-Cash	Payment	
®	Registered	to	BPay®	Pty	Ltd	ABN	69	079	137	518	         Facilities:
Citigroup	Pty	Limited	ABN	88	004	325	080	is	the	credit	   •	   Direct	Debits
provider	and	issuer	of	Suncorp	Clear	Options	Credit	      •	   EFTPOS
Cards.	Suncorp-Metway	Limited	ABN	66	010	831	722	         •	   ATM
promotes	and	distributes	Suncorp	Clear	Options	Credit	    (“Citibank Non-Cash Payment Facilities”)
Cards	on	Citibank’s	behalf	under	an	agreement	with	
                                                          Please refer to Part 2 of this document for the relevant
Citibank.	Suncorp	will	not	guarantee	or	otherwise	
                                                          terms	and	conditions	for	Citibank	Non-Cash	Payment	
support	Citibank’s	obligations	under	the	contracts	or	
                                                          Facilities.
agreements connected with the Credit Cards (other
than	those	relating	to	Suncorp’s	Internet	Banking	and	    These Terms and Conditions only apply to the
Telephone	Banking	services).                              Non-Cash Payment Facilities when used in
                                                          conjunction with your Suncorp Clear Options
Important Information and Disclosures                     credit card and are to be read together with the
These Terms and Conditions are for the following          Suncorp Clear Options Credit Card Terms and
Non-Cash Payment Facilities when used in                  Conditions applying to your Suncorp credit card
conjunction with your Suncorp Clear Options               account.
credit card account:                                      It is important that you read these Terms and
Internet	Banking                                          Conditions before accessing the Non-Cash
Telephone	Banking                                         Payment Facilities and keep this document in a
BPay®                                                     safe place for future reference. These Terms and
Direct	Debits                                             Conditions are available on request.
EFTPOS
ATM

   1
Other terms and conditions apply for Suncorp                •	   Financial	Industry	Complaints	Service	Limited
non-cash payment facilities that are used in                	    PO	Box	579	Collins	Street	West
conjunction with accounts other than, but linked                 Melbourne	Vic	8007
to, your Suncorp Clear Options credit card,                      Phone:	1300	78	08	08
such as Suncorp savings and cheque accounts.                     fics@fics.asn.au
To access those terms and conditions, refer to
the Terms and Conditions for Suncorp Accounts               Privacy and Financial Difficulty
issued by Suncorp and available at                          Please	refer	to	your	Suncorp	Clear	Options	Credit	Card	
www.suncorp.com.au                                          Terms	and	Conditions	for	details	on	how	Citibank	
                                                            handles your personal information and what to do if you
Disputes and Complaints
                                                            are in financial difficulty.
If	you	have	a	complaint	about	any	Non-Cash	Payment	
Facility,	you	should	take	the	following	steps:
•	   call	us	and	let	us	know	what	the	problem	is;
•	   visit	a	Suncorp	branch;
•	   write	to	us	at:
     Reply Paid 1453
     GPO	Box	1453
     Brisbane	QLD	4001
•	   e-mail	us	at	any	time	via	Internet	Banking	and	by	
     going to: www.suncorp.com.au
Once	you	have	contacted	us,	we	will	begin	the	process	
of investigating and resolving your complaint. Suncorp
and	Citibank	will	try	to	resolve	your	complaint	quickly	
and fairly.
The	Australian	Securities	and	Investments	Commission	
has	a	free	information	line	on	1300	300	630	which	you	
may	use	to	get	more	information	on	your	rights,	and	
how	to	make	a	complaint.
If	you	do	not	feel	your	complaint	has	been	resolved	in	a	
satisfactory	manner,	there	are	a	number	of	other	bodies	
that you can go to:
•	   Financial	Ombudsman	Service
	    GPO	Box	3
     Melbourne	VIC	3001
     Phone:	1300	78	08	08
     www.bfso.org.au




                                                                                                                  2
Contents
PART 1 - Suncorp Non-Cash Payment Facilities                            5
      1.	 Definitions	and	Interpretation	                                6
      2.	 General	terms	and	conditions	applying	to	EFT	Transactions	     7
      3.	 Terms	and	conditions	for	Telephone	Banking	                   13
      4.	 Term	and	conditions	for	Internet	Banking	                     14
      5.	 Terms	and	conditions	for	BPAY®	                               17
      6.	 Variation	of	the	Terms	and	Conditions	in	Part	1	              20
      7.	 Governing	Law	and	Jurisdiction	                               20
      8.	 Notices	                                                      20
PART 2 - Citibank Non-Cash Payment Facilities                           21
      1.	 Definitions	and	Interpretation	                               22
      2.   Notices                                                      24
      3.	 Variation	                                                    25
      4.	 Your	Indemnity	                                               25
      5.   Cancelling a Payment Facility                                25
      6.	 Invalid	or	Unenforceable	Provisions	                          26
      7.	 Waiver	and	Exercise	of	Rights	                                26
      8.	 Assignment	and	Transfer	of	Interests	                         26
      9.	 Recording	Conversations	                                      26
      10.	 Altering	or	Stopping	a	Payment	                              26
      11.	 Transaction	Monitoring	                                      26
      12. Limitation of Liability                                       26
      13.	 Reliance	on	Your	Instructions	                               27
      14.	 Governing	Law	and	Jurisdiction	                              28
      15.	 Application	                                                 28
      16.	 Limits	on	Use	                                               28
      17.	 Card	and	Code	Security	                                      29
      18.	 Lost	or	Stolen	Card	or	Code	and	Unauthorised	Transactions	   29
      19.	 Emergency	and	Customer	Service	                              30
      20.	 Errors	and	Questions	                                        30
      21.	 Liability	for	Unauthorised	Transactions	                     31


  3
    22. Code Not Properly Safeguarded                                             31
    23.	 Malfunctions	of	Electronic	Equipment	or	System	                          32
    24.	 Use	of	the	Card	outside	Australia	                                       32
    25.	 ATM	Cash	Withdrawals	(Cash	Advances)	                                    33
    26.	 Ownership	of	the	Card	                                                   33
    27.	 Transactions	                                                            33
    28.	 Printed	Transaction	Record	                                              33
    29.	 Use	Of	Electronic	Mail	                                                  33
    30.	 Application	                                                             34
    31. available Credit                                                          34
PART 3 - General Terms and Conditions applying to all
Suncorp Non-Cash Payment Facilities and
Citibank Non-Cash Payment Facilities                                              35
    1.	 Code	of	Banking	Practice	and	Electronic	Funds	Transfer	Code	of	Conduct	   35
    2.   Statements of account                                                    35
    3.   Fees and charges                                                         35




                                                                                       4
PART	1	-	Suncorp	Non-Cash	                                   Telephone Banking
                                                             Telephone	Banking	is	available	24	hours	a	day,	seven	
Payment	Facilities                                           days	a	week,	by	calling	us	on	13	11	25	(within	Australia)	
This	Part	1	applies	to	the	following	Suncorp	Non-Cash	       or	+61	7	3362	8549	if	outside	Australia.	
Payment Facilities provided by Suncorp when used in          With	Telephone	Banking,	you	will	be	able	to	do	the	
conjunction	with	your	Suncorp	Clear	Options	credit	card	     following:
account:                                                     •		 obtain	your	balance;
•	       Internet	Banking                                    •		 obtain	details	of	your	most	recent	activity	including	
•	       Telephone	Banking                                       deposits	and	withdrawals;
•	       BPay®                                               •		 pay	bills	using	BPay®;
General Information                                          •		 transfer	funds	to	your	other	Suncorp	accounts

Internet Banking                                             Please note: To activate your Card, you will need
                                                             to call the Suncorp Clear Options activation
Internet	Banking	for	your	Suncorp	Clear	Options	Credit	
                                                             number directly on 1300 203 074 instead of
Card	account	is	available	24	hours	a	day,	seven	days	
                                                             Suncorp Telephone Banking. For further details
a	week	from	anywhere	in	the	world	via	www.suncorp.
                                                             of how to activate your Card, please refer to the
com.au.
                                                             Suncorp Clear Options Credit Card Terms and
With	Internet	Banking,	you	will	be	able	to	do	the	           Conditions.
following:
                                                             Paying Bills
•	       obtain	balance	and	transaction	summaries,	
         including details of your payments and              You	may	pay	bills	by	using	the	BPAY®	electronic	payments	
         transactions;                                       service	through	Internet	Banking	or	by	calling	Telephone	
                                                             Banking.		When	you	ask	Suncorp	to	make	a	payment	
•		 download	a	listing	of	activity;
                                                             through	BPAY®,	you	will	need	the	following	details:
•		 transfer	funds	to	any	bank	account	at	any	bank	in	
                                                             •		 the	Biller	Code,	and	your	customer	reference	
    Australia;
                                                                 number which is written on the bill near the
•		 pay	bills	using	BPay®;                                       BPAY®	logo;
•		 view	your	statements	for	up	to	the	last	12	months,	      •		 the	amount	of	the	payment	you	wish	to	make.	You	
    starting	from	23	May	2009                                    must be careful to tell us the correct amount you
for	your	Suncorp	Clear	Options	credit	card	account.              wish	to	pay.	If	you	have	paid	too	much,	you	must	
Some	or	all	of	the	banking	services	that	may	be	                 contact the organisation that issued the bill to
accessed	through	Internet	Banking	may	not	be	available	          obtain	a	refund.	If	you	have	paid	too	little,	you	can	
from time to time due to maintenance or non availability         make	another	payment	through	BPAY®		to	make	
of	certain	features.	In	the	event	of	such	unavailability,	       up the difference.
please	call	us	to	conduct	your	banking	transactions.         If	a	payment	made	through	BPAY®	cannot	be	processed	
you will also need certain minimum computer software         by	the	organisation	that	issued	the	bill,	we	will	advise	
and hardware. Please visit suncorp.com.au for the latest     you of this and credit your account with the attempted
information.                                                 payment.


     5
BPAY® cut off times apply and are available by               (6) Card	means	the	Suncorp	Clear	Options	credit	card	
contacting	Telephone	Banking.                                    issued by us for use on your account and includes
You can contact Suncorp 24 hours a day, seven                    a	card	issued	to	an	additional	Cardholder;
days a week by calling Telephone Banking on                  (7)	 Cardholder	means	any	person/s	to	whom	a	card,	
13 11 25 (within Australia) or +61 7 3362 8549                    an additional or supplementary card is issued
(from outside Australia) and we will accept the                   under	by	Citibank,	including	where	applicable	the	
charges. You can also access Internet Banking at                  Account	holder;
anytime via www.suncorp.com.au                               (8)	 Card Scheme means the credit card scheme
Terms and Conditions                                              operated	and	maintained	by	VISA	International;
These	terms	and	conditions	in	Part	1	govern	your	use	of	     (9)	 Citibank means the credit provider and issuer of
the Suncorp Non-Cash Payment Facilities provided by               the	Suncorp	Clear	Options	credit	card,	Citigroup	
Suncorp	when	they	are	used	in	conjunction	with	your	              Pty	Limited	ABN	88	004	325	080;
Suncorp	Clear	Options	credit	card	account.                   (10)	 Customer ID means the secret number we give
your access to our Suncorp Non-Cash Payment Facilities             the account holder or the Cardholder that they
is	subject	to	the	terms	and	conditions	governing	your	             are	required	to	enter	electronically	in	order	to	use	
Suncorp	Clear	Options	credit	card	account	(“Credit	Card	           Internet	Banking;	
Terms	and	Conditions”).	Please	refer	to	your	Credit	Card	    (11) EFT Code	means	the	Electronic	Funds	Transfer	
Terms	and	Conditions	to	determine	access.	If	there	is	any	        Code	of	Conduct;
inconsistency	between	these	Terms	and	Conditions	and	        (12) EFT Transactions means funds transfers initiated
your	Credit	Card	Terms	and	Conditions,	the	latter	will	           by	giving	an	instruction,	through	electronic	
prevail.                                                          equipment	and	using	an	access	method,	to	
1. Definitions and Interpretation                                 Suncorp (directly or indirectly) to debit or credit the
                                                                  Account;
1.1	 Definitions
                                                             (13) EFTPOS means a point of sale electronic funds
In	these	Part	1	Terms	and	Conditions,	unless	the	context	         transfer facility available at retail or wholesale
requires	otherwise:                                               outlets;
(1) Account	means	the	Suncorp	Clear	Options	                 (14) Financial Institution means:
    credit	card	facility	issued	by	Citibank	as	the	credit	
                                                                  (a)	 “bank”	within	the	meaning	of	the	Banking	
    provider to which a Suncorp Non-Cash Payment
                                                                       Act	1959;
    Facility	is	attached;
                                                                  (b) a corporation:
(2) Account credit limit	means	the	maximum	
    approved	credit	limit	of	your	Account;                              (i)   that is registered or incorporated as a
                                                                              building society or credit union under
(3) Account holder means the person in whose
                                                                              a law relating to such organisations
    name	the	Account	is	held;	
                                                                              that	is	in	force	in	a	State	or	Territory	of	
(4) BPAY®	means	the	BPAY®	service	referred	to	in	                             Australia;	or
     clause	5;
                                                                        (ii) a substantial part of whose business or
(5) Business day means any day other than Saturday                           undertaking	is	the	provision	of	credit;	or
    or	Sunday	or	a	public	holiday	in	Brisbane;

                                                                                                                             6
        (c)   a person who is not a corporation and in             (2) words denoting the singular number including
              relation to whom paragraph (b)(ii) would                 the	plural	and	vice	versa;
              apply	if	the	person	were	a	corporation;              (3) words denoting individuals include
(15) Internet Banking	means	any	banking	service	                       corporations	and	vice	versa;
     provided by Suncorp by use of the internet and a              (4) words denoting any gender include all
     password;                                                         genders;
(16) Internet Banking password means the account                   (5)	 a	reference	to	any	party,	if	more	than	one	of	
     holder	or	Cardholder’s	Internet	Banking	Password	                  them,	shall	be	a	reference	to	each	and	every	
     chosen	by	the	Account	holder	or	Cardholder;	                       of	that	party	jointly	and	severally;
(17)	 PIN means any personal identification number                 (6) references to clauses are references to clauses
      provided	by	Suncorp,	nominated	by	the	Account	                   of	this	Part	1;
      Holder and/or a Cardholder in connection with the
                                                                   (7)	 references	to	any	document	or	agreement	
      Account;
                                                                        will be deemed to include references to
(18)	 Statement of Account means the monthly                            such	document	or	agreement	as	notated,	
      statement	that	Citibank	issues	to	the	Account	                    supplemented,	varied	or	replaced	from	time	to	
      holder in relation to the account setting out the                 time;
      transactions which occurred on the account during
                                                                   (8)	 references	to	any	party	in	this	Part	1	or	any	
      the	period	set	out	in	the	statement;
                                                                        other document or agreement shall include a
(19)	 Suncorp, we, our or us	means	Suncorp-Metway	                      reference to that party and its successors or
      Limited	ABN	66	010	831	722	and	its	successors	                    permitted	assigns;	and
      and assignees.
                                                                   (9)	 reference	to	any	party’s	performance	of	its	
(20)	 TAC	means	the	Account	holder	or	Cardholder’s	                     obligations under this Part 1 include that
      Telephone	Access	Code;	                                           party causing another to perform same.
(21) Telephone Banking	means	the	banking	services	
                                                               2. General terms and conditions applying to EFT
     provided by Suncorp by use of telephone and a
                                                               Transactions
     TAC.
                                                               2.1	 What	is	an	EFT	Transaction?
1.2	 Interpretation
                                                                   (1)	 EFT	stands	for	electronic	funds	transfer.	
	       In	this	Part	1,	headings	are	for	convenience	only	
                                                                        Examples	of	some	EFT	Transactions	are	
        and	do	not	affect	interpretation	and	except	to	the	
                                                                        transactions	completed	using	Telephone	
        extent	that	the	context	otherwise	requires:
                                                                        Banking	or	Internet	Banking	or	BPAY®		
        (1) reference to any legislation or to any provision            transactions.
            of any legislation includes any modification
                                                                   (2)	 All	cardholders	should	know	about	these	
            or	re-enactment	of,	or	any	legislative	
                                                                        terms	and	conditions	that	apply	to	EFT	
            provision	substituted	for,	and	all	legislation	
                                                                        Transactions	before	they	use	electronic	
            and	statutory	instruments	issued	under,	such	
                                                                        equipment,	the	Card	or	an	access	method.
            legislation	or	such	provision;
                                                                   (3)	 In	this	section	we	describe	a	Cardholder’s	
                                                                        PIN,	TAC,	Internet	Banking	password	or	other	

    7
         secret code or particular access method we                   day	on	1800	775	020	if	he/she	has	lost	his/
         give	a	Cardholder,	as	the	secret	code.                       her	Card	or	if	he/she	thinks	someone	knows	
                                                                      his/her secret code.
2.2	 EFT	Transactions	Terms	and	Conditions
    (1)	 This	clause	2	applies	only	to	EFT	Transactions.	   2.4	 Guidelines	for	selecting	the	secret	code
         If	these	terms	and	conditions	do	not	agree	             (1)	 If	we	allow	a	Cardholder	to	select	his/her	
         in any way with the other provisions dealing                 secret	code,	he/she	must	not	select	a	numeric	
         with	EFT	Transactions	in	Part	1	of	these	Terms	              code	that	represents	his/her	date	of	birth,	a	
         and Conditions or in any particular Suncorp                  series of consecutive or the same numbers
         document,	what	is	written	in	this	clause	                    of his/her drivers licence number or an
         applies unless other terms and conditions                    alphabetical code that is a recognisable part
         specifically say so.                                         of his/her name.
    (2)		 Where	the	EFT	Code	applies	to	the	Account	             (2)	 A	Cardholder’s	liability	for	losses	arising	from	
          or	the	use	of	the	Card,	we	agree	to	follow	the	             unauthorised transactions will be determined
          rules	of	the	EFT	Code	for	electronic	banking	               under	the	EFT	Code	(refer	to	clauses	2.6	to	
          transactions made in australia and we give all              2.8).
          and any cardholders a warranty that we will
                                                            2.5	 Guidelines	for	recording	the	secret	code
          do so.
                                                                 a Cardholder can record his/her secret code to help
    (3)	 This	clause	2	does	not	apply	to	an	Account	
                                                                 him/her remember it but it must be reasonably
         that is designed primarily for use by a
                                                                 disguised.	The	Cardholder	should	NOT	-
         business and established primarily for
         business purposes and to -                              (1) put his/her secret code on his/her Card even if
                                                                     he/she	disguises	it;
         (a) that part of a funds transfer which is the
             debiting	of	and	transfer	of	value	from,	or	         (2)	 reverse	the	order	of	the	secret	code;

         (b) that part of a funds transfer which is the          (3)	 say	a	disguised	number	is	his/her	secret	code;
             receipt of value and the crediting of that          (4) disguise his/her secret code as a telephone
             value to an account.                                    number;

2.3	 Secret	code                                                 (5) replace his/her secret code with letters (e.g.
                                                                     A=1,	B=2,	C=3);
    (1)	 A	Cardholder’s	secret	code	is	a	key	to	the	
         account when a Cardholder uses certain                  (6) write numbers that contain the same
         electronic	equipment.	The	secret	code	is	                   sequence	of	numbers	as	his/her	secret	code;
         valuable	and	should	be	kept	secret.	This	               (7)	 record	it	on	a	computer	or	electronic	device	
         includes and is not limited to secret codes                  where	it	can	easily	be	retrieved;	or
         such	as	a	Cardholder’s	PIN,	TAC,	Internet	              (8)	 keep	a	record	of	it	in	close	proximity	to	where	
         Banking	password,	Customer	ID.                               it can be obtained with the access method
    (2)	 The	Cardholder	must	tell	us	quickly	and	                     (e.g.	next	to	the	Card).
         without delay by telephone by calling our          	    These	are	only	examples.	There	are	other	ways	
         Hotline number which is available 24 hours a            that a Cardholder should not use to disguise


                                                                                                                      8
      secret	codes	so	as	to	make	his/her	secret	code	                   Cardholder	has	notified	us	that	a	Cardholder’s	
      obvious	to	another	person.		Where	the	EFT	Code	                   Card,	PIN,	TAC,	Internet	Banking	password	or	
      applies	to	the	Account	or	the	use	of	a	Card,	the	                 any other access method or secret code that
      Account	holder’s	liability	for	losses	arising	from	an	            we	gave	the	Cardholder	has	been	lost,	stolen	
      unauthorised transaction will be determined under                 or misused or that the security of the access
      the	EFT	Code	(refer	also	to	clauses	2.	6	to	2.8).                 method or secret codes has been breached.
2.6	 When	an	account	holder	and/or	cardholder	is	not	              (4)	 Where	it	is	clear	that	the	Account	holder	and	
     liable	for	any	losses                                              the Cardholder has not contributed to any
                                                                        loss	caused	by	unauthorised	transactions,	the	
      (1)	 An	unauthorised	transaction,	that	is	a	
                                                                        account holder and/or Cardholder will not be
           transaction the account holder and/or
                                                                        liable.
           Cardholder	did	not	authorise,	does	not	include	
           any transaction carried out by a Cardholder or      2.7	 When	an	Account	holder	and/or	Cardholder	is	
           by anyone performing a transaction with the              liable
           Cardholder’s	knowledge	and	consent.                     (1)	 Where	clause	2.6	does	not	apply,	the	
      (2)	 Where	the	Account	holder	and/or	Cardholder	                  account holder and/or Cardholder will be
           does	not	authorise	a	transaction,	the	                       liable for losses resulting from unauthorised
           account holder and/or Cardholder will not be                 transactions in the following circumstances-
           responsible for losses which are –                           (a) where on the balance of probability we
           (a) caused by fraudulent or negligent                            can prove that the account holder and/
               conduct of our staff or agents of ours                       or Cardholder contributed to the losses
               or	companies	involved	in	networking	                         through	fraud;
               arrangements or merchants or their                       (b) where on the balance of probability
               agents	or	employees;	                                        we can prove the account holder
           (b) losses relating to any components of an                      and/or Cardholder contravened our
               access	method	that	are	forged,	faulty,	                      requirements	outlined	in	clause	2.8;
               expired,	or	cancelled;                                   (c)   where the account holder and/or
           (c)   losses that arise from a transaction                         Cardholder unreasonably delayed
                 which	required	the	use	of	any	device	or	                     notification to us after the account
                 code	forming	part	of	the	Cardholder’s	                       holder and/or Cardholder became
                 access method and that occurred before                       aware (or should have reasonably been
                 the Cardholder received any device or                        aware)	of	the	loss,	theft	or	misuse	of	
                 code	or	reissued	device	or	code;	or                          the	Cardholder’s	Card	or	secret	code	
           (d) losses that are caused by the same                             we gave the account holder and/or
               transaction being incorrectly debited                          Cardholder;	or
               more than once to the same account.                      (d) where an access method involves more
      (3)	 The	Account	holder	and/or	Cardholder	may	                        than one secret code and the account
           not be liable for unauthorised transactions                      holder and/or Cardholder contravenes
           that occur after the account holder and/or                       the	requirements	of	clause	2.8	by	


  9
           voluntarily	disclosing	or	keeping	a	record	            (a)	 $150;	or
           of one or more of the secret codes but                 (b) the balance of those accounts
           not all the codes in the access method.                    (including any account credit limit)
           (The	Account	holder	and/or	Cardholder	                     the unauthorised transactions were
           will only be liable under this clause                      transferred from and which a Cardholder
           2.7(1)(d)	if	on	the	balance	of	probability	                agreed may be accessed by the use
           the	Account	holder’s	and/or	Cardholder’s	                  of	his/her	Card,	secret	code	or	other	
           contravention	of	clause	2.8	was	the	                       access method used to perform the
           dominant contributing cause of the                         unauthorised	transaction;	or
           losses.)                                               (c)   the actual loss at the time the account
(2)	 The	losses	that	the	Account	holder	and/                            holder and/or Cardholder notified us that
     or Cardholder will be liable for will be the                       a	Cardholder’s	Card,	secret	code	or	any	
     losses incurred before the account holder                          other	access	method	had	been	misused,	
     and/or Cardholder told us that the secret                          lost or stolen or that the security of the
     code that we gave the account holder and/or                        codes	had	been	breached	(excluding	any	
     Cardholder	has	been	lost,	stolen	or	misused	                       loss	which	exceeds	on	any	one	day	any	
     or that the security of the access method or                       applicable daily transaction limit or any
     secret codes has been breached.                                    periodic transaction limit).
(3)	 In	respect	to	losses	arising	from	unauthorised	         (5)	 In	instances	where	we	have	not	exercised	our	
     transactions,	the	Account	holder	and/or	                     rights under this Part 1 or any Card Scheme
     Cardholder will not be liable where-                         to	chargeback	any	unauthorised	transactions	
                                                                  pursuant	to	this	Part	1,	the	Account	holder	
     (a) that portion of losses incurred on any
                                                                  will not be liable for any amount greater than
         one	day	which	exceed	any	applicable	
                                                                  the amount the account holder would have to
         daily transaction limit or any periodic
                                                                  have	paid	to	us	had	we	exercised	those	rights.
         transaction	limit;
                                                         2.8	 Our	requirements	of	a	Cardholder	to	protect	the	
     (b)	 the	portion	of	losses	that	exceeds	the	
                                                              account	against	unauthorised	transactions
          balance of that account (including any
          credit	limit);	or                                  (1) a Cardholder must -
     (c)   all losses on an account where the                     (a)	 never	voluntarily	disclose	his/her	PIN,	
           account holder and/or Cardholder had                        TAC,	Internet	Banking	password	or	any	
           not previously agreed that account could                    other access method or secret code to
           be	accessed	using	the	Cardholder’s	card	                    anyone,	including	a	family	member	or	
                                                                       friend;	or
           or secret code.
                                                                  (b) where the access method also utilises
(4)	 Where	a	secret	code	or	access	method	
                                                                      a	device,	not	indicate	one	or	more	of	
     was	required	to	perform	the	unauthorised	
                                                                      the	codes	on	the	outside	of	the	device,	
     transactions and none of the circumstances
                                                                      or	keep	a	record	of	one	or	more	of	the	
     outlined	in	clauses	2.6	and	2.7	apply,	the	
                                                                      codes	(without	making	any	reasonable	
     account holder and/or Cardholder will be
                                                                      attempt to protect the security of the
     liable for the least of -

                                                                                                               10
            code	records)	on	the	one	article,	or	on	                 method	we	will	comply	with	the	requirements	
            several	articles,	carried	with	the	device	or	            of	the	EFT	Code.
            liable to loss or theft simultaneously with
                                                            2.9	 Changes
            the	device;	or
                                                                (1)	 We	will	tell	the	Account	holder	and/or	
      (c)   where the access method comprises
                                                                     Cardholder in writing before we change
            a	code	or	codes	without	a	device,	not	
                                                                     or	vary	these	EFT	transaction	Terms	and	
            keep	a	record	of	all	the	codes	(without	
                                                                     Conditions	in	clause	2,	not	later	than	30	days	
            making	any	reasonable	attempt	to	
                                                                     before	the	change	takes	effect,	by	-
            protect the security of the code records)
            on	the	one	article,	or	on	several	articles	              (a) introducing or increasing charges
            so that they are liable to loss or theft                     for	electronic	banking	transactions	
            simultaneously;	or                                           or additional or replacement access
                                                                         methods	including	cards;
      (d) where we permit the Cardholder
          to	select	or	change	a	code	(and,	                          (b)	 increasing	the	Account	holder’s	and/or	
          immediately before his/her selection                            Cardholder’s	liability	for	losses	in	relation	
          or	change	of	the	code,	we	specifically	                         to	electronic	banking;	or
          instruct the Cardholder not to select                      (c)	 restricting	a	Cardholder’s	ability	to	make	
          a numeric code which represents his/                            electronic transactions on the account.
          her birth date or an alphabetical code                (2)	 We	can	make	other	changes,	variations,	
          which is a recognisable part of his/her                    additions or deletions immediately and
          name and we warn the Cardholder of                         without telling the account holder and/or
          the	consequences	of	such	a	selection),	                    Cardholder	first	except	when	this	would	be	
          not select such a numeric or alphabetical                  against	the	EFT	Code	or	the	law.
          code;	or
                                                                (3)	 Subject	to	law,	we	can	tell	the	Account	holder	
      (e)	 not	act	with	extreme	carelessness	in	                     and/or Cardholder about other changes in
           failing to protect the security of all the                electronic	banking	by	using	-
           codes.
                                                                     (a)	 a	notice	on	or	with	the	Account	holder’s	
 (2)	 For	the	purposes	of	this	clause,	a	reasonable	                      and/or	Cardholder’s	statement	of	
      attempt to protect the security of a code                           account;
      record includes either or both of:
                                                                     (b)	 a	notice	on	ATM’s	or	at	any	Suncorp	
      (a)	 making	any	reasonable	attempt	to	                              branch;
           disguise	the	code(s)	within	the	record;
                                                                     (c)	 by	secure	message	services	on	Internet	
      (b)	 taking	reasonable	steps	to	prevent	                            Banking	(if	the	Account	holder	and/or	
           unauthorised access to the code record.                        Cardholder	has	agreed	to	this	method);
 (3) Notwithstanding the conditions for the                          (d)	 press	advertisements;	or
     purposes	of	determining	the	Account	holder’s	
                                                                     (e) a letter.
     and/or	Cardholder’s	liability	for	any	losses	
     resulting from unauthorised transactions                   (4)	 If	we	tell	the	Account	holder	and/or	
     using an electronic device and an access                        Cardholder	using	a	notice	on	an	ATM,	at	a	

11
         branch	or	in	the	press,	we	will	also	include	a	           log to see if there was any fault in the system
         notice	before,	with	or	on	the	Account	holder’s	           when	the	transaction	was	made.	We	will	give	
         and/or	Cardholder’s	next	Statement	of	                    the account holder and/or Cardholder these
         Account	after	the	change,	variation,	addition	            results in writing.
         or	deletion	takes	effect.                            (5)	 We	will	also	put	into	writing	the	results	of	our	
    (5) New changes will generally be advertised in                investigation and the reasons for our decision.
        national newspapers on or before the day                   We	will	include	the	sections	of	the	EFT	Code	
        they are implemented.                                      which	helped	us	make	our	decision.
2.10	If	the	Account	holder	and/or	Cardholder	has	a	           (6)	 If	our	investigation	shows	the	Account	has	
     problem	with	electronic	banking                               been	wrongly	adjusted,	we	will	correct	this	
                                                                   (and	make	similar	corrections	to	any	interest	
    (1)	 If	the	Account	holder	and/or	Cardholder	has	
                                                                   or	charges).	We	will	tell	the	Account	holder	
         a problem or a complaint about a transaction
                                                                   and/or Cardholder in writing of any such
         (including any entry on a Statement of
                                                                   changes.
         Account),	take	a	note	of	the	details	and	call	
         13 11 55 or contact any Suncorp branch as            (7)	 If	we	think	the	Account	holder	and/or	
         soon as possible.                                         Cardholder is/are partly or wholly responsible
                                                                   pursuant	to	clause	2.7	or	2.8	for	the	problem	
    (2)	 We	need	to	know	details	of	the	problem	
                                                                   that	was	the	basis	of	the	complaint,	we	will	
         experienced.	We	will	investigate	the	
                                                                   tell the account holder and/or Cardholder this
         problem	and	if	we	can’t	solve	the	problem	
                                                                   in writing and show the account holder and/
         immediately,	we	will	tell	the	Account	holder	
                                                                   or Cardholder copies of documents and other
         and/or Cardholder in writing of the steps
                                                                   evidence involved.
         we	will	take	and	how	we	intend	to	solve	the	
         problem.                                             (8)	 If	the	Account	holder	and/or	Cardholder	
                                                                   is not satisfied with any decision that we
    (3)	 If	we	have	not	finished	our	investigation	
                                                                   make,	the	Account	holder	and/or	Cardholder	
         within	21	days	of	receiving	a	complaint,	we	
                                                                   can	contact	our	Customer	Relations	Unit	on	
         will tell the account Holder and/or Cardholder
                                                                   1800	689	762	(Australia-wide)	and	ask	them	
         in	writing	that	we	need	more	time.	We	will	
                                                                   to	review	the	case.	If	the	Account	holder	
         complete	our	investigation	within	60	days	
                                                                   and/or Cardholder is/are still not satisfied
         unless	there	are	exceptional	circumstances.	If	
                                                                   with our decision the account holder and/
         this	is	the	case,	we	will	tell	the	Account	holder	
                                                                   or Cardholder can write to the Financial
         and/or	Cardholder	about	these	in	writing,	
                                                                   Ombudsman	Service,	the	local	Department	
         provide the account holder and/or Cardholder
                                                                   of	Fair	Trading	Bureau	or	contact	the	Account	
         with updates every two months on the
                                                                   holder’s	and/or	Cardholder’s	local	Small	
         progress	of	the	complaint,	and	inform	the		
                                                                   Claims	Tribunal	or	equivalent	body.
         account holder and/or Cardholder of a date
         when	a	decision	can	reasonably	be	expected.
    (4)	 Before	we	say	who	or	what	caused	the	
         problem,	we	will	refer	to	the	electronic	system	


                                                                                                                12
2.11	Reporting	lost,	stolen	or	misused	cards	or	secret	     3. Terms and conditions for Telephone Banking
     access	codes
                                                            3.1	 These	Telephone	Banking	Terms	and	Conditions	
     (1)	 If	a	Cardholder’s	secret	code	is	lost,	stolen	         set	out	in	clause	3	apply	only	to	Telephone	
          or	misused,	or	the	Account	holder	and/                 Banking	and	Telephone	Banking	transactions.
          or	Cardholder	believes	someone	knows	
          the	Cardholder’s	secret	code,	telephone	us	       3.2	 Some	Telephone	Banking	transactions	will	also	
          immediately and without delay follow up with           be	EFT	Transactions.	In	such	instances,	where	
          the details in writing.                                these	Telephone	Banking	Terms	and	Conditions	
                                                                 do	not	agree	with	the	EFT	Transaction	provisions	
     (2)	 The	Hotline	number	is	1800	775	020.
                                                                 in	clause	2,	then	the	EFT	Transaction	provisions	
     (3)	 When	a	Cardholder	tells	us	his/her	secret	             apply.	The	Account	holder	should	therefore	read	
          code	has	been	lost,	stolen	or	misused,	the	            clause	2	in	conjunction	with	the	Telephone	
          Cardholder might be given a notification               Banking	Terms	and	Conditions	in	this	clause	3.
          number.	The	Cardholder	should	keep	this	as	
          evidence of the time and date he/she told us.     3.3	 What	is	Telephone	Banking?
                                                                (1)	 Telephone	Banking	allows	the	Account	holder	
2.12	Changing	the	secret	code
                                                                     and/or a Cardholder to access some accounts
     (1) a Cardholder can change his/her secret code                 (including the account) and information
         (except	for	his/her	Card	Activation	Number)	                through	Suncorp’s	Telephone	Banking	system.
         whenever he/she wishes.
                                                                (2)	 If	the	Account	holder	and/or	a	Cardholder	
     (2) Contact us on 13 11 55 or at any branch and                 wishes	to	inquire	about	Telephone	Banking	
         we will advise how a Cardholder can change                  contact us on -
         his/her secret code.
                                                                     (a)	 existing	accounts	-	call	13	11	25
     (3)	 For	security	reasons,	a	Cardholder	should	
                                                                     (b)	 new	accounts	and	other	banking	services	
          change	his/her	secret	code	from	time	to	time,	
                                                                          - call 13 11 55
          however a Cardholder must not change a
          secret code to the same number as another         3.4	 Applying	for	Telephone	Banking
          secret code we have given the Cardholder.             (1)	 The	Account	holder	and/or	a	Cardholder	must	
2.13	Daily	limits                                                    register	for	Telephone	Banking	by	calling	13	
                                                                     11 25 and providing identification details.
     (1)	 We	may	impose	daily	limits	on	all	EFT	
          Transactions.                                         (2)	 The	Account	holder	and/or	a	Cardholder	
                                                                     will	need	to	select	a	TAC.	The	TAC	must	be	
     (2)	 The	daily	limit	is	a	security	measure	to	limit	
                                                                     between	4	and	6	digits	long,	and	cannot	
          the amount of money that can be transferred
                                                                     be	one	of	Suncorp’s	telephone	numbers	
          from the account.
                                                                     beginning	with	13,	the	Account	holder’s	and/
     (3)	 If	you	attempt	to	perform	a	transaction	that	              or	a	Cardholder’s	birth	date	or	driver’s	licence	
          exceeds	the	daily	limit,	it	may	be	rejected.               number,	PIN,	commence	with	zero	or	a	series	
     (4)	 The	current	applicable	daily	limits	of	EFT	                of consecutive or the same numbers (eg.
          Transactions	are	available	on	request.	                    123456 or 111111).



  13
3.5	 Guidelines	for	using	Telephone	Banking                          account holder and/or a Cardholder in writing
    (1)	 The	Account	holder	and/or	a	Cardholder	can	                 as	soon	as	possible.		We	can	also	delay	or	
         use	Suncorp’s	Telephone	Banking	services	                   refuse	to	process	the	Account	holder’s	and/or	
         by	telephoning	13	11	25.	When	the	Account	                  a	Cardholder’s	instructions.
         holder	and/or	a	Cardholder	uses	Telephone	         3.6	 Problems	with	Telephone	Banking
         Banking	services	the	Account	holder	and/or	a	
                                                            	   If	the	Account	holder	and/or	a	Cardholder	thinks	
         Cardholder agrees that -
                                                                there	has	been	a	mistake	or	a	transaction	the	
         (a) the account holder and/or a Cardholder             account holder and/or a Cardholder did not
             is	giving	us	instructions;                         authorise,	the	Account	holder	and/or	a	Cardholder	
              (i) we can consider these instructions            must telephone us immediately and follow up
                  are from the account holder and/or a          with	details	in	writing.	The	Account	holder’s	and/
                  Cardholder;                                   or	a	Cardholder’s		concerns	or	any	problems	will	
              (ii) the account holder is liable for any         be investigated in the same way as problems with
                   transactions	which	occur	except	as	          electronic	banking.
                   indicated	in	clause	2.6;	and             3.7	 Access	by	additional	cardholder	or	
              (iii) we are not responsible for the               supplementary	cardholder
                    operation of any telephone system           a Cardholder who is an additional cardholder or
                    other	than	our	Interactive	Voice	           a supplementary cardholder may have restricted
                    Recognition system.                         access to some of the services offered through
    (2)	 Information	we	give	the	Account	holder	                Telephone	Banking	(for	example,	access	to	
         and/or a Cardholder by telephone about                 Statement	of	Account,	rewards	program,	special	
         the account or any other Suncorp accounts              and promotional offers).
         relates to transactions that we have processed
                                                            4. Terms and Conditions for Internet Banking
         to any such accounts and verified at the time
         we were contacted. Some transactions the           4.1	 These	Internet	Banking	Terms	and	Conditions	set	
         account holder and/or a Cardholder has made             out	in	clause	4	apply	only	to	Internet	Banking	
         may not have been processed to the account              and	Internet	Banking	transactions.
         or	any	such	accounts.	The	Account	holder’s	
                                                            4.2	 Some	Internet	Banking	transactions	will	also	
         and/or	a	Cardholder’s	Telephone	Banking	
                                                                 be	EFT	Transactions.	In	such	instances,	where	
         transactions will be processed in the normal
                                                                 these	Internet	Banking		Terms	and	Conditions	
         course of business.
                                                                 do	not	agree	with	the	EFT	Transaction	provisions	
    (3)	 Telephone	Banking	instructions	requiring	the	           in	clause	2,	then	the	EFT	Transaction	provisions	
         transfer	of	funds	(including	BPAY®	payments)	           apply.	The	Account	holder	and/or	a	Cardholder	
         may not be carried out if there are insufficient        should	therefore	read	the	EFT	Transaction	
         funds in the relevant account.                          provisions	in	conjunction	with	these	Internet	
    (4)	 We	can	cancel	the	Account	holder’s	and/or	              Banking	Terms	and	Conditions.
         a	Cardholder’s	access	to	Telephone	Banking	
         at	any	time.		If	we	do	this,	we	will	tell	the	


                                                                                                                  14
4.3	 What	is	Internet	Banking?                                  holder’s	and/or	a	Cardholder’s	TAC	or	
    (1)	 Internet	Banking	allows	the	Account	holder	            temporary	TAC	and	at	least	one	of	the	
         and/or a Cardholder to access some accounts            Account	holder’s	and/or	a	Cardholder’s	
         and	information	through	Suncorp	Internet	              Suncorp	account	numbers.	The	Account	holder	
         Banking	system.                                        and/or a Cardholder will then be given a
                                                                Customer	ID	and	asked	to	choose	an	Internet	
    (2)	 Internet	Banking	can	be	accessed	by	going	to	
                                                                Banking	password	which	will	be	used	in	
         www.suncorp.com.au
                                                                the	place	of	the	TAC	or	temporary	TAC	in	all	
4.4	 Guidelines	for	using	Internet	Banking                      subsequent	Internet	Banking	sessions.	The	
    (1)	 In	order	to	register	for	Internet	Banking,	the	        account holder and/or a Cardholder must
         account holder and/or a Cardholder must be             remember	the	Customer	ID	as	the	Account	
         a	registered	Telephone	Banking	user	and	have	          holder and/or a Cardholder will need to use
         a	valid	TAC	or	get	a	temporary	TAC.                    it each time the account holder and/or a
                                                                Cardholder		logs	on	to	Internet	Banking	along	
    (2)	 To	get	a	temporary	TAC	to	enable	the	Account	
                                                                with	the	Internet	Banking	password.	This	is	
         holder and/or a Cardholder to register for
                                                                the only place the account holder and/or a
         Internet	Banking	simply	call	13	11	55.	Once	
                                                                Cardholder	will	be	given	a	Customer	ID.	
         Suncorp has identified the account holder
         and/or a Cardholder in accordance with            (6)	 The	Account	holder’s	and/or	a	Cardholder’s	
         Suncorp’s		requirements,	the	Account	holder	           Internet	Banking	password	must	be	between	
         and/or	a	Cardholder	will	need	to	select	a	TAC	         6	and	8	digits	long.	It	cannot	be-
         or	be	provided	a	temporary	TAC.                        (a)	 one	of	Suncorp’s	telephone	numbers;
    (3)	 The	Account	holder’s	and/or	a	Cardholder’s	            (b)	 the	Account	holder’s	and/or	a	
         TAC	or	temporary	TAC	must	be	between	4	                     Cardholder’s	birth	date;
         and	6	digits	long.	It	cannot	be	-	                     (c)	 the	Account	holder’s	and/or	a	
         (a)	 one	of	Suncorp’s	telephone	numbers;                    Cardholder’s	driver’s	licence;
         (b)	 the	Account	holder’s	and/or	a	                    (d) a series of consecutive or the same
              Cardholder’s	birth	date;                              numbers (eg. 123456 or 111111).
         (c)	 the	Account	holder’s	and/or	a	               (7)	 The	Account	holder	and/or	a	Cardholder	will	
              Cardholder’s	driver’s	licence	number;             also need to have access to a computer with
         (d) a series of consecutive or the same                suitable software. Refer to www.suncorp.com.
             numbers (eg. 123456 or 111111).                    au for information on suitable software.
    (4)	 Once	the	Account	holder	and/or	a	Cardholder	      (8)	 By	accepting	these	Internet	Banking	Terms	
         has	a	TAC	or	temporary	TAC,	the	Account	               and Conditions the account holder and/or a
         holder and/or a Cardholder can register for            Cardholder certifies to us that the account
         Internet	Banking	by	going	to	the	Suncorp	web	          holder and/or a Cardholder will only attempt
         site located at www.suncorp.com.au.                    to	gain	access	to	Internet	Banking	using	a	
                                                                computer with suitable software.
    (5)	 The	Account	holder	and/or	a	Cardholder	
         will	be	required	to	enter	either	the	Account	


  15
    (9)	 We	are	not	liable	for	any	loss,	damage	or	               rewards	program,	special	and	promotional	
         consequential	loss	or	damage	if	the	Account	             offers).
         holder and/or a Cardholder uses or attempts
                                                         4.6	 Electronic	communication
         to	access	Internet	Banking	without	using	
         suitable software.                                  (1)	 In	accepting	these	Terms	and	Conditions	the	
                                                                  account holder and/or a Cardholder agrees
4.5	 Using	Internet	Banking                                       that if the account holder and/or a Cardholder
    (1)	 We	are	not	responsible	for	the	operation	of	             registers	with	Suncorp	to	use	Internet	
         any computer system (other than our systems)             Banking	either	we	or	Suncorp	can	provide	
         the account holder and/or a Cardholder uses              the account holder and/or a Cardholder with
         to	transact	using	Internet	Banking	or	the	               any	information	required	to	be	given	to	the	
         operation of any telephone system.                       account holder and/or a Cardholder by law
    (2)	 We	can	cancel	the	Account	holder’s	and/or	               or	any	code	(including	the	EFT	Code)	by	
         a	Cardholder’s	access	to	Internet	Banking	               electronic communication.
         at	any	time.	If	we	do	this,	we	will	tell	the	   4.7	 Account	information
         account holder and/or a Cardholder in writing
                                                             (1)	 Information	provided	by	Internet	Banking	
         as soon as possible.
                                                                  about the account and any other Suncorp
    (3)	 We	can	also	delay	or	refuse	to	process	the	              account belonging to the account holder
         Account	holder’s	and/or	a	Cardholder’s	                  and/or a Cardholder relates to transactions
         instructions.                                            that Suncorp has processed and verified.
    (4)	 Internet	Banking	instructions	requiring	                 The	Account	holder’s	and/or	a	Cardholder’s	
         transfer	of	funds	(including	BPAY®	bill	                 Internet	Banking	transactions	will	be	
         payments) will not be carried out if the                 processed in the normal course of business or
         account holder and/or a Cardholder does not              at the times we notify.
         have enough cleared funds in the relevant           (2)	 We	are	not	responsible	for	delays,	errors,	
         Account.	We	will	notify	the	Account	holder	              inaccuracies,	or	omissions	due	to	failure	in	
         and/or a Cardholder by secure message if this            a	computer	system,	the	Telephone	Banking	
         occurs.                                                  network,	any	telephone	system,	or	ancillary	
    (5)	 If	the	Account	holder	and/or	a	Cardholder	               equipment	other	than	our	own	electronic	
         gives us instructions for more than one                  systems,	communications	systems	and	other	
         transfer	and/or	bill	payment	and/or	bulk	                equipment.
         payment	on	a	particular	date,	we	will	
                                                         4.8	 View	Only	Access
         determine the order in which the payments
         are made on that day.                               (1)	 If	the	Account	holder	asks	Suncorp	and	
                                                                  Suncorp	agrees,	Suncorp	can	provide	Internet	
    (6) a Cardholder who is an additional cardholder
                                                                  Banking	access	to	various	accounts	limited	to	
        or a supplementary cardholder may have
                                                                  “View	Only	Access”.
        restricted access to some of the services
        offered	through	Internet	Banking	(for	               (2)	 “View	Only	Access”	means	the	Account	
        example,	access	to	Statement	of	Account,	                 holder can authorise a person to view


                                                                                                              16
          transactional,	customer	information	and	          5.5	 Some	billers	do	NOT	accept	credit	card	payments.
          statement	requests	only.	This	does	not	allow	     5.6	 When	the	Account	holder	and/or	a	Cardholder	
          the person to perform any type of debit                tells	Suncorp	to	make	a	BPAY®	payment	through	
          transaction,	open	or	close	the	Account,	or	            the	Account,	the	Account	will	be	debited	with	the	
          make	any	changes	to	information	on	the	                amount	of	that	BPAY®	payment.
          account other than their own information.
                                                            5.7	 The	Account	holder	and/or	a	Cardholder	
     (3)	 When	Suncorp	agrees	to	provide	View	Only	              acknowledges	that	the	receipt	by	a	biller	of	a	
          access the account holder also authorises for          mistaken	or	erroneous	payment	does	not	constitute	
          that	person	to	view	transactional	information,	        under any circumstances satisfaction of any
          customer	information	and	statement	requests	           underlying debt owed between the account holder
          via	any	of	Suncorp’s	branches.                         and/or a Cardholder and that biller.
5. Terms and conditions for BPAY®                           5.8	 Information	Suncorp	require
5.1	 These	BPAY®	Terms	and	Conditions	set	out	in	                (1)	 The	information	the	Account	holder	and/or	
     clause	5	apply	only	to	BPAY®	transactions.	Some	                 a Cardholder must give Suncorp to instruct
     BPAY®	transactions	will	also	be	EFT	Transactions.                Suncorp	to	make	a	BPAY®	payment	once	
5.2	 In	such	instances,	where	these	BPAY®	Terms	and	                  the account holder and/or a Cardholder has
     Conditions	do	not	agree	with	the	EFT	Transaction	                selected	the	BPAY®	menu	option	is	-
     provisions	in	clause	2,	then	the	EFT	Transaction	                (a)	 the	biller	code	from	the	bill;
     provisions	apply.	The	Account	holder	and/
                                                                      (b)	 the	Account	holder’s	and/or	a	
     or	a	Cardholder	should	therefore	read	the	EFT	
                                                                           Cardholder’s	customer	reference	number	
     Transaction	provisions	in	clause	2	in	conjunction	
                                                                           (eg	account	number)	with	that	biller;
     with	these	BPAY®	Terms	and	Conditions.
                                                                      (c)   the amount the account holder and/or a
5.3	 The	BPAY®	scheme                                                       Cardholder	wants	to	pay;	and
	    BPAY®	is	an	electronic	payments	scheme	through	                  (d) the account from which the account
     which the account holder and/or a Cardholder can                     holder and/or a Cardholder wants the
     ask	Suncorp	to	make	payments	to	billers	through	                     payment to be made.
     Telephone	or	Internet	Banking.
                                                                 (2)	 The	Account	holder	and/or	a	Cardholder	
5.4	 How	to	use	the	BPAY®	scheme                                      acknowledges	that	Suncorp	shall	not	be	
	    To	access	the	BPAY®	scheme	select	the	BPAY®	                     obliged	to	effect	a	BPAY®	payment	if	the	
     menu	option	from	within	Telephone	Banking	or	                    account holder and/or a Cardholder does
     Internet	Banking	(after	the	Account	holder	and/                  not give Suncorp all of the above information
     or a Cardholder has become a registered user).                   or if any of the information the account
     Then	simply	follow	the	guiding	prompts.	BPAY®	                   holder and/or a Cardholder gave Suncorp is
     payments can be made from the account.                           inaccurate.




    17
5.9	 Payments                                                5.10	Delay
    (1)	 Suncorp	is	unable	to	stop	a	BPAY®	payment	              (1)	 A	delay	might	occur	in	processing	a	BPAY®	
         once the account holder and/or a Cardholder                  payment where:
         has	instructed	Suncorp	to	make	that	BPAY®	                   (a)	 there	is	a	public	or	bank	holiday	on	
         payment	through	Suncorp’s	Telephone	                              the day after the account holder and/
         Banking	or	Internet	Banking	system.                               or	a	Cardholder	tells	Suncorp	to	make	a	
    (2)	 The	Account	holder	and/or	a	Cardholder	                           BPAY®	payment;
         should notify Suncorp immediately if                         (b) the account holder and/or a Cardholder
         the account holder and/or a Cardholder                           tells	Suncorp	to	make	a	BPAY®	payment	
         becomes aware that the account holder                            either	on	a	day	which	is	not	a	banking	
         and/or a Cardholder may have made an                             Business	Day	or	after	the	payment	cut-
         error	when	instructing	Suncorp	to	make	a	                        off	time	on	a	banking	Business	Day;
         BPAY®	payment,	or	if	the	Account	holder	
                                                                      (c)	 another	Financial	Institution	participating	
         and/or a Cardholder did not authorise a
                                                                           in	the	BPAY®	scheme	does	not	comply	
         BPAY®	payment	that	has	been	made	from	
                                                                           with	its	obligations	under	the	BPAY®	
         the	Account	holder’s	and/or	a	Cardholder’s	
                                                                           scheme;	or
         Account.	Billers	who	participate	in	the	BPAY®	
         scheme	have	agreed	that	a	BPAY®	payment	                     (d) a biller fails to comply with its
         the account holder and/or a Cardholder                           obligations	under	the	BPAY®	scheme.
         makes	will	be	treated	as		received	by	the	biller	       (2)	 While	it	is	expected	that	any	delay	in	
         to whom it is directed-                                      processing	a	BPAY®	payment	will	not	
         (a) on the date the account holder and/                      continue	for	more	than	one	banking	Business	
             or	a	Cardholder	makes	that	BPAY®	                        Day,	any	such	delay	may	continue	for	a	longer	
             payment,	if	the	Account	holder	and/                      period.
             or	a	Cardholder	tells	Suncorp	to	make	              (3)	 If	the	Account	holder’s	and/or	a	Cardholder’s	
             the	BPAY®	payment	before	Suncorp’s	                      instructions	to	make	a	bill	payment	using	
             payment	cut-off	time	on	a	banking	                       BPAY®	is	made	before	4:00	pm	Australian	
             Business	Day;	or                                         Eastern	Standard	Time	on	a	Business	Day,	
         (b)	 on	the	next	banking	Business	Day,	if	                   it will in most cases be treated as having
              the account holder and/or a Cardholder                  been made on that same day or on the date
              tells	Suncorp	to	make	a	BPAY®	payment	                  in the future that the account holder and/
              after	Suncorp’s	payment	cut-off	time	                   or	Cardholder	specifies.	Where	the	Account	
              on	a	banking	Business	Day,	or	on	a	                     holder’s	and/or	a	Cardholder’s	instructions	are	
              nonbanking	Business	Day;	                               received	after	4:00	p.m.	Australian	Eastern	
                                                                      Standard	Time,	in	most	cases	the	payment	
         (c)	 on	the	following	Business	Day	to	the	
                                                                      will be treated as having been made on the
              future dated bill date.
                                                                      next	Business	Day	or	on	the	date	in	the	future	
                                                                      that the account holder and/or a Cardholder
                                                                      specifies.


                                                                                                                   18
    (4)	 A	payment	may	take	longer	to	be	credited	to	                including those billers to whom the account
         a	biller	under	the	BPAY®	scheme	if	Suncorp	                 holder’s	BPAY®	payments	are	to	be	made.	
         receives	the	Account	holder’s	and/or	a	                     The	Account	holder	and/or	a	Cardholder	must	
         Cardholder’s	instructions	on	a	day	other	than	              tell Suncorp promptly if -
         a	Business	day	or	if	another	participant	in	the	            (a) the account holder and/or a Cardholder
         BPAY®	scheme	does	not	process	a	payment	                        becomes aware of any delays or
         as soon as they receive it.                                     mistakes	in	processing	any	BPAY®	
    (5)	 The	Account	holder	and/or	a	Cardholder	                         payments;
         needs to allow sufficient time for processing               (b) the account holder and/or a Cardholder
         of bill payments.                                               did	not	authorise	a	BPAY®	payment	that	
5.11	Mistake	as	to	amount                                                has	been	made	from	any	Account,	or
    (1)	 The	Account	holder	and/or	a	Cardholder	must	                (c)   the account holder and/or a Cardholder
         be careful to ensure that the account holder                      thinks	that	the	Account	holder	and/
         and/or a Cardholder tells Suncorp the correct                     or a Cardholder has been fraudulently
         amount	to	be	paid.	If	the	Account	holder	and/                     induced	to	make	a	BPAY®	payment.
         or	a	Cardholder	instructs	Suncorp	to	make	a	           (2) Suncorp will attempt to rectify any such
         BPAY®	payment	using	Suncorp’s	Telephone	                   matters	in	relation	to	the	Account	holder’s	
         Banking	or	Internet	Banking	system	and	the	                and/or	a	Cardholder’s	BPAY®	payments.	
         account holder and/or the Cardholder later                 However,	except	as	set	out	in	these	terms	and	
         discovers that:                                            conditions,	neither	Citigroup	nor	Suncorp	will	
         (a) the amount Suncorp were told to pay                    be liable for any loss or damage the account
             was greater than the amount needed                     holder and/or a Cardholder suffers as a result
             to	be	paid,	the	Account	holder	and/or	                 of	using	the	BPAY®	scheme	or	making	or	not	
             a Cardholder can contact the biller to                 making	a	payment.
             obtain	a	refund	of	the	excess;	or              5.13	Suspension
         (b) the amount Suncorp were told to pay                (1)	 Suncorp	may	suspend	the	Account	holder’s	
             was less than the amount needed to                      and/or	a	Cardholder’s	right	to	participate	in	
             be	paid,	the	Account	holder	and/or	a	                   the	BPAY®	scheme	at	any	time.
             Cardholder	can	make	another	BPAY®	
                                                                (2)	 The	circumstances	in	which	Suncorp	may	
             payment for the difference between the
                                                                     suspend	the	Account	holder’s	and/or	a	
             amount actually paid to a biller and the
                                                                     Cardholder’s	right	to	participate	may	include	
             amount needed to be paid.
                                                                     if:
5.12	Liability	for	mistaken	payments,	unauthorised	                  (a) the account holder and/or a Cardholder
     transactions	and	fraud                                              is in breach of these terms and
    (1)	 Suncorp	will	attempt	to	make	sure	that	the	                     conditions	or	the	Suncorp	Clear	Options	
         Account	holder’s	and/or	a	Cardholder’s	                         Credit	Card	Terms	and	Conditions	or	
         BPAY®	payments	are	processed	promptly	                          credit	contract;
         by	the	participants	in	the	BPAY®	scheme,	

  19
          (b) Suncorp have security or other valid                (3)	 Where	permitted	by	law	including	the	Code	of	
              reasons	for	doing	so;                                    Banking	Practice,	Suncorp	may	give	you	notice	
          (c)   Suncorp suspect the account holder                     of	variation	of	these	Terms	and	Conditions	
                and/or a Cardholder of fraudulent or                   in	Part	1	by	displaying	a	notice	on	Suncorp’s	
                inappropriate	behaviour;                               website at www.suncorp.com.au or by press
                                                                       advertisement.
          (d) the account holder and/or a Cardholder
              has given Suncorp false or misleading          7. Governing Law and Jurisdiction
              information;	or                                These	Terms	and	Conditions	in	Part	1	are	governed	
          (e) Suncorp need to by law.                        by	the	laws	of	Queensland.	You	irrevocably	and	
                                                             unconditionally	submit	to	the	non-exclusive	jurisdiction	
5.14	When	a	biller	cannot	process	a	payment
                                                             of	the	courts	of	Queensland.	
     (1)	 If	Suncorp	are	advised	that	the	Account	
          holder’s	and/or	a	Cardholder’s	payment	            8. Notices
          cannot	be	processed	by	a	biller,	Suncorp	will:          (1)	 Except	where	you	have	specifically	agreed	to	
          (a) advise the account holder and/or a                       receive information or notices under these
              Cardholder	of	this;                                      Terms	and	Conditions		electronically	(to	the	
                                                                       extent	permitted	by	law),	Suncorp	will	send	
          (b)	 credit	the	Account	holder’s	and/or	a	
                                                                       all notices to the most recent mailing address
               Cardholder’s	Account	with	the	amount	
                                                                       received from you.
               of	the	BPAY®	payment;	and
                                                                  (2)	 If	you	have	agreed	to	receive	this	information	
          (c)	 take	all	reasonable	steps	to	assist	the	
                                                                       or	notices	under	these	Terms	and	Conditions	
               account holder and/or a Cardholder in
                                                                       in Part 1 electronically Suncorp may give you
               making	the	BPAY®	payment	as	quickly	
                                                                       a notice either by:
               as possible.
                                                                       (a) broadcasting a message on our website
6. Variation of the Terms and Conditions in Part 1                         at	www.suncorp.com.au;
Unless	otherwise	provided	in	this	Part	1,	the	following	               (b) delivering it to you by an electronic
provisions	apply	to	the	variation	of	the	Terms	and	                        message to your latest e-mail address
Conditions in Part 1:                                                      recorded on our system.
     (1)	 Subject	to	clause	6(3),	Suncorp	may	at	any	             (3) any notice or statement to be given or
          time	vary	these	Terms	and	Conditions	in	Part	1	             demand	to	be	made	to	you	under	these	Terms	
          by giving you written notice.                               and Conditions:
     (2)	 Suncorp	will	provide	30	days’	prior	notice	if	               (a)	 if	a	signature	is	required,	will	be	
          we	introduce	any	new	fee	or	charge,	increase	                     effectively signed on behalf of Suncorp
          the amount of any fee or charge (other than                       if	it	is	executed	by	Suncorp,	its	officers,	
          a	government	charge),	increase	your	liability	                    solicitors	or	attorneys;	and
          for	losses	or	imposes,	remove	or	change	any	
                                                                       (b) will be served by being: delivered
          maximum	limits	to	the	amounts	that	may	be	
                                                                           personally	to,	left	at,	or	posted	in	a	
          withdrawn or transferred by the use of the Card.
                                                                           prepaid envelope or wrapper to your


                                                                                                                       20
            address,	or	by	being	e-mailed	to	your	       PART	2	-	Citibank	Non-Cash	
            e-mail	address,	as	notified	to	us	or	your	
            registered	office,	place	of	business,	       Payment	Facilities
            or	residence	last	known	to	Suncorp,	         This	Part	2	applies	to	the	following	Citibank	Non-Cash	
            or by being sent to you by facsimile         Payment	Facilities	provided	by	Citibank	when	used	in	
            transmission.                                conjunction	with	your	Suncorp	Clear	Options	credit	card	
 (4)	 A	demand	or	notice,	if:                            account:
      (a) delivered personally will be deemed            •	    Direct	Debits
          served	when	left	at	the	address;               •	    EFTPOS
      (b) posted will be deemed served two               •	    ATM
          Business	Days	after	posting;	or
                                                         A. General Information
      (c)   sent by facsimile or electronic
            transmission will be deemed served on        ATM
            conclusion of transmission.                  You	can	have	flexible	access	to	your	money	with	your	
 Service by any of these methods will be valid           Card	at	ATMs	both:
 even if you do not receive the document or if the       •	    in	Australia	-	at	all	major	Australian	bank	ATMs;	
 document is returned to Suncorp unclaimed.                    and
 (5)	 Unless	otherwise	specified	in	these	Terms	and	     •	    throughout	the	world	where	the	relevant	Network	
      Conditions	in	Part	1,	notices	to	us	under	these	         logo	is	displayed	for	example,	Visa	credit	card	
      Terms	and	Conditions	shall	be	in	writing,	               account.
      signed by you or your duly authorised person
                                                         you can withdraw cash and obtain account balances at
      and sent to Suncorp at the following address
                                                         any	of	these	ATMs.
      or	in	such	other	way	as	set	out	in	these	Terms	
      and Conditions in Part 1 or as we may advise       EFTPOS
      from time to time:                                 EFTPOS	stands	for	Electronic	Funds	Transfer	at	Point	
      Reply Paid 1453                                    of	Sale.	This	retail	facility	allows	you	to	debit	the	cost	
      GPO	Box	1453                                       of your purchase to your account using your Card.
      Brisbane	QLD	4001                                  Depending	on	the	retailer,	you	may	also	be	able	to	
                                                         withdraw cash.
                                                         ATM and EFTPOS Limits
                                                         An	Australian	dollar	daily	limit	applies	to	ATM	and	
                                                         EFTPOS	cash	withdrawals	and	purchases	within	Australia	
                                                         as	determined	by	Citibank.	This	limit	shall	be	advised	
                                                         to	you	from	time	to	time.	Multiple	withdrawals	may	be	
                                                         required	at	the	ATMs	of	some	banks	to	access	the	daily	
                                                         limit for cash withdrawals.




21
Your Suncorp Clear Options Credit Card                        A.   GENERAL
Using	your	Card	in	Australia                                  1. Definitions and Interpretation
You	can	use	your	Card	through	ATMs,	EFTPOS,	teller	           1.1	 Definitions
terminals,	home	banking	terminals	or	any	similar	             	    In	these	Part	2	Terms	and	Conditions,	unless	the	
machines	authorised	by	Citibank	to	access	funds	and	               context	requires	otherwise:
information and to purchase goods and services.
                                                                   (1) Account means	the	Suncorp	Clear	Options	
Using	your	Card	outside	Australia                                      credit card facility issued by us to which
you may also use your Card around the world at the                     a	Citibank	Non-Cash	Payment	Facility	is	
relevant	Network	ATMs	or	terminals.	Withdrawals	in	a	                  attached;
currency other than australian dollars will be converted           (2) Additional Cardholder means another
at	the	exchange	rate	set	by	Citibank.	Citibank	may	                    person who is authorised by you to be issued
charge a fee for the conversion. Please refer to the                   with	the	Card	and/or	to	effect	Transactions	on	
Suncorp	Clear	Options	Credit	Card	Terms	and	Conditions	                the	Account;
for	details	of	the	fees.	Citibank	may	also	pass	on	any	fee	        (3) ATM	means	an	Electronic	Equipment	from	
imposed	by	a	third	party	with	respect	to	the	Transaction.              which,	amongst	other	things,	you	or	your	
Secure	the	safety	of	your	Card                                         additional Cardholder can obtain a cash
                                                                       advance	from	an	Account	by	use	of	their	Card;
you or an additional Signatory (as applicable) must
secure the safety of each of your Cards. Please refer to           (4) Banking Business Day means any day on
the	Terms	and	Conditions	for	further	details	on	Card	and	              which	banks	in	Sydney	or	Brisbane	are	able	to	
Code security.                                                         effect	settlement	through	the	Reserve	Bank	of	
                                                                       Australia;
Terms and Conditions
                                                                   (5) Business Day	means	a	day	on	which	banks	
These	terms	and	conditions	in	Part	2	govern	your	use	of	               are open for business in Sydney but does
the	Citibank	Non-Cash	Payment	Facilities	provided	by	                  not	include	any	Saturday,	Sunday	or	public	
Citibank	when	they	are	used	in	conjunction	with	your	                  holiday;
Suncorp	Clear	Options	credit	card	account
                                                                   (6) Card	means	the	Suncorp	Clear	Options	credit	
Your	access	to	our	Citibank	Non-Cash	Payment	Facilities	               card issued by us for use on your account
is	subject	to	the	terms	and	conditions	governing	your	                 and includes a card issued to an additional
Suncorp	Clear	Options	credit	card	account	(“Credit	Card	               Cardholder;
Terms	and	Conditions”).	Please	refer	to	your	Credit	Card	
                                                                   (7)	 Chargeback means the relevant operating
Terms	and	Conditions	to	determine	access.	If	there	is	any	
                                                                        rules	for	transferring	the	Transaction	amount	
inconsistency	between	these	Terms	and	Conditions	and	
                                                                        of	a	disputed	Transaction	from	the	Merchant’s	
your	Credit	Card	Terms	and	Conditions,	the	latter	will	
                                                                        financial	institution	to	your	Account;
prevail.
                                                                   (8)	 Citibank, we, our, and us means Citigroup
                                                                        Pty	Limited	ABN	88	004	325	080	AFSL	
                                                                        238098	of	2	Park	Street,	Sydney,	NSW	2000;



                                                                                                                       22
 (9)	 Code means:                                              •	   which	you	or	an	Additional	Cardholder	
      (a) information:                                              (as applicable) must provide (in any
                                                                    manner)	to	or	through	a	Device	or	
           •	 the	content	of	which	is	known	to	you	
                                                                    Electronic	Equipment	in	order	to	access	
              and any additional Cardholder and
                                                                    your	Account.	(An	Identifier	may	be,	
              is	intended	to	be	known	only	to	you	
                                                                    for	example,	an	Account	number,	card	
              and	any	Additional	Cardholder;
                                                                    number,	or	card	expiry	date);
           •	 which	we	require	you	and	any	
                                                          (15) Merchant means a provider of goods or
              Additional	Cardholder	to	keep	secret;
                                                               services which has agreed to accept the Card
           •	 which	you	and	any	Additional	                    for the purpose of purchasing those goods or
              Cardholder must provide (in any                  services;
              manner)	to	or	through	a	Device	or	
                                                          (16) Network	means	the	organisations,	
              Electronic	Equipment	in	order	to	
                                                               institutions and schemes through which you
              access	your	Account;	and
                                                               may	perform	Transactions	on	your	Account;
      (b)	 includes	your	PIN	or	password;
                                                          (17)	 Network Members means all institutions
 (10)	 Credit Card Terms and Conditions means                   and	corporations	participating	in,	and	that	
       the	Suncorp	Clear	Options	Credit	Card	Terms	             process	information	or	data	in	relation	to,	the	
       and Conditions governing the use of your                 relevant	Network;
       Account;
                                                          (18)	 PIN means the Code in the form of the
 (11) Daily Transaction Limit means the daily                   personal identification number allocated by
      transaction value limits with respect to                  us or as changed by you or any additional
      withdrawing and transferring to and from                  Cardholder	(as	applicable);
      an	Account	by	using	a	Citibank	Non-Cash	
                                                          (19)	 Suncorp	means	Suncorp-Metway	Ltd	ABN	66	
      Payment	Facility,	as	referred	to	in	clause	16	in	
                                                                10	831	722;
      Section	B	below;
                                                          (20)	 Transaction means any transaction
 (12) Device means a physical device used with
                                                                authorised by you or by an additional
      Electronic	Equipment	to	access	your	Account,	
                                                                Cardholder	(as	applicable),	which	is	made	by	
      for	example	a	Card,	token	or	biometric	reader;
                                                                the	use	of	a	Card,	an	Identifier	and/	or	a	Code	
 (13) Electronic Equipment includes electronic                  or,	by	any	other	means	authorised	by	us	from	
      terminals	(such	as	ATM	and	EFTPOS	                        time to time and includes a cash advance.
      terminals),	computer,	television	and	telephone	
                                                          (21) Unauthorised Transaction means a
      that are approved by us and through which
                                                               Transaction,	which	is	made	without	your	or	
      Transactions	may	be	effected;
                                                               an	Additional	Cardholder’s	(as	applicable)	
 (14) Identifier means information:                            knowledge,	consent	or	authorisation;
      •	   the	content	of	which	is	known	to	you	or	       (22) You and your means the person or persons
           an additional Cardholder (as applicable)            in whose name the account is held.
           but not only to them and which they are
           not	required	to	keep	secret;	and


23
1.2	 Interpretation                                                (5)		 If	a	period	occurs	from,	after	or	before	a	day	
     (1)	 In	these	Part	2	Terms	and	Conditions,	unless	the	              or	the	day	of	an	act	or	event,	it	excludes	that	
          context	requires	another	meaning,	a	reference:                 day.
          (a) to the singular includes the plural and         2. Notices
              vice	versa;                                     2.1	 Except	where	you	have	specifically	agreed	to	
          (b) to a document (including these Part 2                receive	information	or	notices	under	these	Terms	
              Terms	and	Conditions)	is	a	reference	                and	Conditions		electronically	(to	the	extent	
              to	that	document	as	amended,	                        permitted	by	law),	Citibank	will	send	all	notices	to	
              consolidated,	supplemented,	novated	or	              the most recent mailing address received from you.
              replaced;                                       2.2	 If	you	have	agreed	to	receive	this	information	or	
          (c)   to a party means a party to these Part 2           notices	under	these	Part	2	Terms	and	Conditions	
                Terms	and	Conditions;                              electronically	Citibank	may	give	you	a	notice	either	
          (d) to a person (including a party) includes             by:
              an	individual,	company,	other	body	                  (1) broadcasting a message on our website at
              corporate,	association,	partnership,	                    www.citibank.com.au;
              firm,	joint	venture,	trust	or	government	            (2) delivering it to you by an electronic message
              agency,	and	it	also	includes	the	                        to your latest e-mail address recorded on our
              person’s	successors,	permitted	                          system.
              assigns,	substitutes,	executors	and	
                                                              2.3 any notice or statement to be given or demand to
              administrators;
                                                                  be	made	to	you	under	these	Terms	and	Conditions:
          (e) to a law is a reference to that law as
                                                                   (1)	 if	a	signature	is	required,	will	be	effectively	
              amended,	consolidated,	supplemented	
                                                                        signed	on	behalf	of	Citibank	if	it	is	executed	
              or	replaced,	and	it	includes	a	reference	
                                                                        by	Citibank,	its	officers,	solicitors	or	attorneys;	
              to	any	regulation,	rule,	statutory	
                                                                        and
              instrument,	by-law	or	other	subordinate	
              legislation	made	under	that	law,	and	                (2) will be served by being: delivered personally
              any	legislation,	treaty,	judgment,	rule	                 to,	left	at,	or	posted	in	a	prepaid	envelope	or	
              of	common	law	or	equity	or	rule	of	any	                  wrapper	to	your	address,	or	by	being	e-mailed	
              applicable	stock	exchange.                               to	your	e-mail	address,	as	notified	to	us	or	
                                                                       your	registered	office,	place	of	business,	or	
     (2)	 Where	a	word	or	phrase	is	defined,	its	other	
                                                                       residence	last	known	to	Citibank,	or	by	being	
          grammatical forms have a corresponding
                                                                       sent to you by facsimile transmission.
          meaning.
     (3) Headings are for convenience only and do not         2.4	 A	demand	or	notice,	if:
         affect interpretation.                                    (1) delivered personally will be deemed served
     (4)	 If	a	payment	or	other	act	must	(but	for	this	                when	left	at	the	address;
          clause) be made or done on a day that is not             (2)	 posted	will	be	deemed	served	two	Business	
          a	Business	Day,	then	it	must	be	made	or	done	                 Days	after	posting;	or	
          on	the	next	Business	Day.                                (3) sent by facsimile or electronic transmission

                                                                                                                         24
          will be deemed served on conclusion of            4. Your Indemnity
          transmission.                                          you will be liable for and indemnify us against any
     Service by any of these methods will be valid               loss or damage which we will or may incur because
     even if you do not receive the document or if the           you or an additional Cardholder did not observe
     document	is	returned	to	Citibank	unclaimed.                 the	obligations	under	these	Part	2	Terms	and	
2.5	 Unless	otherwise	specified	in	these	Terms	and	              Conditions or acted negligently or fraudulently in
     Conditions,	notices	to	us	under	these	Terms	and	            respect	of	any	Citibank	Non-Cash	Payment	Facility.
     Conditions	shall	be	in	writing,	signed	by	you	or	      5. Cancelling a Payment Facility
     your	duly	authorised	person	and	sent	to	Citibank	at	
                                                            5.1	 We	may	at	our	absolute	discretion	suspend	or	
     the following address or in such other way as set
                                                                 cancel	a	Citibank	Non-Cash	Payment	Facility	at	any	
     out	in	these	Terms	and	Conditions	or	as	we	may	
                                                                 time without notice to you.
     advise from time to time:
                                                            5.2	 Without	limiting	the	circumstances	in	which	we	
	    G.P.O.	Box	40
                                                                 may	suspend	or	cancel	a	Citibank	Non-Cash	
     Sydney,	NSW.	2001.
                                                                 Payment	Facility,	we	may	cancel	a	Citibank	Non-
3. Variation                                                     Cash Payment Facility if:
3.1	 Subject	to	clause	3.3,	Citibank	may	at	any	time	            (1)	 we	believe	your	or	an	Additional	Cardholder’s	
     vary	these	Part	2	Terms	and	Conditions	by	giving	                Card,	Code	or	Identifier	are	being	used,	or	will	
     you written notice.                                              be	used,	in	a	way	that	will	cause	loss	to	you	
3.2	 Citibank	will	provide	30	days’	prior	notice	if	                  or	us;
     we	introduce	any	new	fee	or	charge,	increase	               (2) we reasonably believe you or an additional
     the amount of any fee or charge (other than a                   Cardholder	induced	us	to	issue	the	Citibank	
     government	charge),	increase	your	liability	for	                Non-Cash Payment Facility by fraud or
     losses	or	imposes,	remove	or	change	any	maximum	                misrepresentation;
     limits to the amounts that may be withdrawn or              (3) you or an additional Cardholder breach any of
     transferred by the use of a Card.                               these	Part	2	Terms	and	Condition;
3.3	 Where	permitted	by	law	including	the	Code	of	               (4) there has been fraud or misrepresentation
     Banking	Practice,	Citibank	may	give	you	notice	of	              with	respect	to	the	operation	of	an	Account;
     variation	of	these	Part	2	Terms	and	Conditions	by	
                                                                 (5) the continued use of a Card or your account
     displaying a notice on or within the immediate
                                                                     may	cause	a	loss	either	to	us,	you	or	an	
     vicinity	of	the	site	of	Electronic	Equipment	or	by	
                                                                     additional Cardholder or may cause us to
     press advertisement.
                                                                     breach	any	applicable	law;	or
                                                                 (6) we close your account.
                                                            5.3	 If	we	cancel	a	Citibank	Non-Cash	Payment	Facility	
                                                                 we will notify you as soon as possible afterwards.




    25
Cardholder                                                      9. Recording Conversations
5.4	 You	may	cancel	a	Citibank	Non-Cash	Payment	                	    You	acknowledge	that	any	conversations	between	
     Facility at any time by giving us notice in writing.            any officer or employee of us and you or any other
5.5	 If	you	cancel	a	direct	debit	request,	the	appropriate	          person authorised to operate your account may be
     Merchant	must	also	be	promptly	notified.	If	you	                tape-recorded. you consent to the tape-recording
     cancel	a	direct	debit	request,		we	must	receive	                and its use (or any transcript of the recording)
     your	instructions	at	least	one	Business	Day	prior	to	           in any proceedings that may be commenced in
     the	due	date	of	the	next	payment	otherwise	that	                connection	with	these	Terms	and	Conditions.
     payment may still be made.                                 10. Altering or Stopping a Payment
5.6	 We	shall	not	be	liable	to	you	or	any	Additional	           	    Subject	to	these	Terms	and	Conditions	you	may	
     Cardholder for any loss or damage suffered                      alter	or	stop	any	payment	through	a	Citibank	
     as	a	result	of	any	suspension,	cancellation	or	                 Non-Cash Payment Facility from an account before
     termination under this clause 5.                                the payment instruction has been processed by
6. Invalid or Unenforceable Provisions                               contacting 13 11 25 (within australia) or +61
                                                                     7	3362	8549	(if	outside	Australia),	24	hours	a	
	    If	a	provision	of	these	Part	2	Terms	and	Conditions	
                                                                     day,	seven	days	a	week,	before	payment	has	
     is	invalid	or	unenforceable	in	a	jurisdiction,	it	is	to	
                                                                     been	processed.	We	will	act	promptly	on	your	
     be	read	down	or	severed	in	that	jurisdiction	to	the	
                                                                     instructions to alter or cancel a payment.
     extent	of	the	invalidity	or	unenforceability,	and	that	
     fact does not affect the validity or enforceability        11. Transaction Monitoring
     of	that	provision	in	another	jurisdiction	or	the	          	    Transactions	may	be	monitored	for	quality	control	
     remaining provisions.                                           purposes including for the prevention of fraud and
7. Waiver and Exercise of Rights                                     for anti-money laundering and counter-terrorism
                                                                     financing purposes.
	    A	single	or	partial	exercise	of	a	right	by	us	does	not	
     preclude	another	exercise	or	attempted	exercise	of	        12. Limitation of Liability
     that	right	or	the	exercise	of	another	right.	Failure	      12.1	The	responsibility	for	the	repayment	of	any	funds	
     by	us	to	exercise	or	delay	in	exercising	a	right	does	          credited to the account remains solely with us. No
     not	prevent	its	exercise	or	operate	as	a	waiver.                other	institution,	corporation	or	person	(including	
8. Assignment and Transfer of Interests                              but	not	limited	to,	any	parent,	subsidiary	of	
                                                                     affiliated company of ours) shall be responsible
	    The	rights	and	obligations	under	these	Part	2	Terms	
                                                                     for the repayment of any funds credited to the
     and	Conditions	may	not,	without	our	prior	consent:
                                                                     account.
     (1)	 be	assigned	(whether	in	law,	in	equity	or	
                                                                12.2	We	and	any	other	institution,	corporation	or	person	
          otherwise) by you.
                                                                     (including	but	not	limited	to	any	parent,	subsidiary	
     (2)	 be	made	the	subject	of	any	encumbrance,	                   or	affiliated	company	of	ours	or	any	Network	
          charge,	pledge,	trust	or	fiduciary	obligation,	            Member)	will	not	be	held	liable	or	held	responsible,	
          and any action that purports to do so is                   under any circumstances for any loss or damage
          invalid,	void	and	without	effect	as	between	               suffered by you or any additional Cardholder which
          you,	us	and	any	third	party.

                                                                                                                       26
     may arise from you or any additional Cardholder:                    hardware belonging to or operated by you
     (1) being	unable	to	make	a	cash	withdrawal	                         and/or	an	Additional	Cardholder;
         from the account by means of the relevant                  (2)	 your	access	and/or	use	of	Citibank	Non-Cash	
         Network,	including	(but	not	limited	to)	                        Payment	Facility	being	prohibited,	restricted,	
         situations where the failure is due to any                      delayed or otherwise affected by
         legal	restrictions,	restrictions	on	convertibility	             the laws and regulations of the country
         or	transferability,	involuntary	transfers,	acts	                from	where	you	access	a	Citibank	Non-Cash	
         of	war,	acts	of	terrorism,	civil	strife,	natural	               Payment	Facility;
         disasters	or	any	other	causes;
                                                                    (3) any delay or failure in any transmission or
     (2)	 using	or	attempting	to	use	any	ATM	or	to	
                                                                        communication	facilities;
          operate	the	Account;	or
                                                                    (4)	 any	payment	being	made	through	a	Citibank	
     (3)	 using	the	direct	debit	facility	or	any	delay,	
                                                                         Non-Cash Payment Facility from an account
          omission or failure in respect of any payment.
                                                                         where	you	have	requested	us	to	alter	or	stop	
          Without	limitation,	this	includes,	if	you	or	any	
                                                                         that payment after the payment has been
          Additional	Cardholder	request	us	to	make	a	
                                                                         processed	by	us;
          payment to a third party financial institution:
                                                                    (5) any other event beyond our reasonable
          (a)	 any	delay	or	failure	to	make	a	payment	
                                                                        control including (but not limited to)
               which results from a technical failure in
                                                                        situations where the failure or delay is due to
               the	system	we	use	to	make	a	payment	
                                                                        restrictions	on	convertibility	or	transferability,	
               from your account with us to any third
                                                                        requisitions,	involuntary	transfers,	acts	of	war,	
               party	financial	institution;	and
                                                                        acts	of	terrorism,	civil	strife,	natural	disasters	
          (b)	 any	omission,	delay	or	failure	on	the	part	              or any other similar causes.
               of the third party financial institution in
                                                               12.4	To	the	extent	permitted	by	law,	the	liability	of	us,	
               processing that payment.
                                                                    and	of	any	of	our	parent,	subsidiary	or	affiliate	
12.3	While	we	undertake	to	make	reasonable	efforts	
                                                                    companies under any condition or warranty that
     to	ensure	full	performance	of	all	Citibank	Non-
                                                                    cannot	be	legally	excluded	is	limited,	at	our	option,	
     Cash	Payment	Facilities,	to	the	extent	permitted	
                                                                    to	replacement,	repair,	or	re-supply	of	goods	or	
     by	law,	all	statutory	or	implied	conditions	and	
                                                                    services	supplied	(as	the	case	may	be),	or	payment	
     warranties	are	excluded,	and	subject	to	clause	25	
                                                                    of the cost thereof.
     neither	we	nor	any	of	our	parent,	subsidiary	or	
     affiliate companies are liable to you for any loss or     12.5	If	we	debit	or	credit	your	account	under	a	direct	
     liability	of	any	kind	caused	by	any	delay	or	failure	          debit or arrangement we are not acting as your
     to provide information or perform operations                   agent	or	the	agent	of	another	person.	We	are	not	
     requested	(or	do	so	correctly),	including	(but	not             liable for any loss or damage to you from us not
     limited to) by reason of or in connection with:                acting	as	you	require	(even	if	it	is	caused	by	the	
                                                                    negligence	of	our	employee,	agent	or	contractor).
     (1) any malfunctions of telephone line or ancillary
         equipment	personal	computer	terminal,	                13. Reliance on Your Instructions
         related	facilities,	mobile	phones	and	other	          13.1	We	are	entitled	to	presume	(subject	to	the	
         handheld	devices,	or	other	software	or	                    Electronic	Funds	Transfer	Code	of	Conduct),	unless	

  27
     proved	to	the	contrary,	that	you	or	any	Additional	     16.2	Daily	maximum	withdrawal	limits	apply	to	an	
     Cardholder have given any instructions identified            Electronic	Equipment.	You	may	be	informed	of	
     by	your	Identifier	(including	Card	Number)	and	              these limits from time to time either in writing by
     Code	(including	ATM	PIN),	and	that	they	are	valid	           us	or	in	the	form	of	notices	on	or	near	Electronic	
     and binding on you.                                          Equipment.	Minimum	amounts	to	be	obtained	
13.2	You	acknowledge	and	accept	that	we	cannot	                   may	also	be	set	by	Merchants.	Transactions	made	
     verify,	where	a	signatory	is	not	required,	by	way	           using	an	Electronic	Equipment	may	be	limited	to	
     of signature comparison whether the user of                  minimum	and	maximum	amounts	in	any	specified	
     your	respective	Identifiers	and	Codes	is	you	or	an	          period and to multiples of any amounts. Limits may
     additional Cardholder.                                       vary	between	Electronic	Equipment.	The	types	of	
                                                                  Transactions	available	at	an	Electronic	Equipment	
14. Governing Law and Jurisdiction                                provided	by	Merchants	will	be	determined	by	those	
	    These	Part	2	Terms	and	Conditions	are	governed	              Merchants	and	may	differ	from	those	available	
     by	the	laws	of	New	South	Wales.	You	irrevocably	             at	an	Electronic	Equipment	owned	or	operated	
     and	unconditionally	submit	to	the	non-exclusive	             by	us.	We	are	not	responsible	for	any	loss	or	
     jurisdiction	of	the	courts	of	New	South	Wales.	              inconvenience	due	to	a	lack	of	uniformity	between	
                                                                  Transactions	available	at	an	Electronic	Equipment.	
B.   USING THE CARDS                                              If	you	have	any	queries	regarding	any	applicable	
15. Application                                                   Transaction	limits	please	contact	Telephone	
15.1	This	Section	B	applies	to	all	Transactions	involving	        Banking	for	information.
     use	of	the	Card.	These	Terms	and	Conditions	are	        16.3	We	shall	not	be	liable	for	the	refusal	by	a	Merchant	
     to	be	read	together	with	your	Credit	Card	Terms	             to	allow	Transactions	to	be	made	by	means	of	your	
     and Conditions. you should ensure that you and all           Card	or	to	accept	or	honour	any	of	them,	whether	
     additional Cardholders have read the Credit Card             at	our	discretion	or	for	any	reason	whatsoever.	Our	
     Terms	and	Conditions.	You	are	responsible	for	all	           promotional material displayed on any premises
     amounts drawn from an account and any losses                 shall	not	be	taken	as	a	representation	or	warranty	
     incurred by us in connection with the drawing.               by	us	or	the	Merchant	that	all	goods	and	services	
     you may cancel a Card at any time by phoning                 offered	by	the	Merchant	may	be	purchased	by	use	
     us. you shall remain responsible for all amounts             of any of those facilities.
     withdrawn by use of a Card supplied to you and          17. Card and Code Security
     any additional Cardholders until we receive notice
                                                             The	security	of	Card(s)	and	Code(s)	is	very	important.	If	
     from you cancelling the Card.
                                                             you or an additional Cardholder fail to observe these
16. Limits on Use                                            security	requirements	you	may	incur	liability	for	any	
16.1	We	reserve	the	right	to	limit	the	amount	that	          Unauthorised	Transaction.
     may be withdrawn or transferred each day by the         17.1	You	and	each	Additional	Cardholder	MUST:
     use of a Card. Such limits shall be advised to you
                                                                  (1) sign the strip on the reverse side of your Card
     from	time	to	time.	The	limits	set	by	us	are	not	an	
                                                                      immediately	upon	receiving	it;
     undertaking	by	us	to	limit	the	amounts	withdrawn	
     or transferred by use of these facilities.                   (2)	 not	tell	anyone	including	family,	friend	or	even	


                                                                                                                     28
          a	bank	officer	your	Code;                                    (3)		 the	Code	in	reverse	order;
     (3) not let anyone else use your Card and/or                      (4)		 the	Code	disguised	as	a	date	or	an	amount;	
         Code	or	Identifier	and	Code;                                        or
     (4) use care to prevent anyone else seeing your                   (5) the Code in an easily understood form.
         Code	being	entered	in	Electronic	Equipment	
                                                                  17.4	If	the	Electronic	Funds	Transfer	Code	of	Conduct	
         or	overhearing	your	Code;
                                                                       applies	to	an	Account:
     (5)	 take	reasonable	steps	to	protect	your	Card	or	
                                                                       (1) the above provisions may differ from the
          Code	from	loss	or	theft;	and
                                                                           circumstances in which you are liable
     (6)	 immediately	destroy	any	expired	Card	by	                         for	losses	resulting	from	Unauthorised	
          cutting it diagonally in half.                                   Transactions	under	the	Electronic	Funds	
17.2	It	is	recommended	you	and	the	Additional	                             Transfer	Code	of	Conduct;	and
     Cardholders	memorise	your	Code	and	then	                          (2)	 to	the	extent	that	the	above	provisions	differ	
     destroy	any	record	of	it.	You	and	any	Additional	                      from	the	relevant	provisions	of	the	Electronic	
     Cardholders	must	NOT:                                                  Funds	Transfer	Code	of	Conduct,	your	liability	
     (1) choose a Code which is clearly identifiable                        for such losses will be determined under the
         with	you	(such	as	birth	date,	phone	number,	                       Electronic	Funds	Transfer	Code	of	Conduct.
         post code or car registration number) or which           18. Lost or Stolen Card or Code and
         represents	a	recognisable	part	of	your	name;             Unauthorised Transactions
     (2) choose a Code which has an easily retrievable
                                                                  18.1	Where:
         combination (such as repeated or consecutive
         numbers	or	letters	eg	1111,	1234,	BBBB	or	                    (1)	 a	Card	is	lost	or	stolen;
         BCDE);                                                        (2)	 a	Code	is	lost,	stolen	or	disclosed	to	someone	
     (3) write or in any way indicate your Code on                          else;	or
         your	Card	even	if	it	is	disguised;	or                         (3) you or an additional Cardholder suspects that:
     (4)		 keep	record	of	your	Code	(without	making	a	                      (a)	 a	Code	is	lost,	stolen	or	has	become	
           reasonable attempt to disguise the Code) on                           known	by	someone	else;	or
           any item normally carried with or stored with                    (b)		 your	Card	(or	any	expired	Card)	or	
           your	Card	or	Identifier,	or	liable	to	loss	or	theft	                   Identifier	or	Code	has	been	used	to	
           at	the	same	time	with	the	Card	or	Identifier.                          effect	an	Unauthorised	Transaction	or	
17.3	The	following	are	examples	of	what	is	NOT	a	                                 has	otherwise	been	misused,	you	or	the	
     reasonable	attempt	to	disguise	a	Code.	                                      additional Cardholder must immediately
                                                                                  inform us and provide all information as
     Recording:
                                                                                  required.
     (1)		 the	Code	as	a	telephone	number;
                                                                  18.2	Telephoning	us	is	the	best	way	to	minimise	your	
     (2) the Code amongst other numbers or letters                     risk.	Upon	receipt	of	notification	from	you	or	an	
         with	any	of	them	marked	to	indicate	the	                      Additional	Cardholder,	we	will	cancel	your	or	the	
         Code;                                                         Additional	Cardholder’s	Card	(as	applicable)	and/or	


  29
     Code	and	may	cancel	the	Identifier.	We	will	advise	          (1)		 your	name,	address	and	Account	number;
     you or an additional Cardholder (as applicable) of           (2)		 any	Additional	Cardholder’s	(as	applicable)	
     a	notification	number.	After	cancellation,	the	Card	               name	and	address,	where	necessary;
     and/or	Code	or	Identifier	must	not	be	used	again	
                                                                  (3)		 details	of	the	complaint,	error	or	fraud;	and
     even	if	they	are	subsequently	found.
                                                                  (4)		 any	other	information	requested	by	us.
18.3	In	the	event	that	our	notification	facilities	
     (including	Telephone	Banking	facilities)	are	not	       20.4	You	must	comply	with	any	request	by	us	for	further	
     available	for	any	reason,	any	losses	occurring	              information (including a statutory declaration
     during these periods that were due to non                    where	required).
     notification	shall	be	deemed	to	be	our	liability,	      20.5	Where	an	enquiry	is	not	settled	to	your	satisfaction,	
     providing notification is made within a reasonable           we will advise you in writing of the procedures for
     time of the facility again becoming available.               the investigation and resolution of the dispute.
                                                                  Where	applicable,	these	procedures	will	be	in	
19. Emergency and Customer Service
                                                                  accordance	with	the	Electronic	Funds	Transfer	Code	
	    To	report	lost	or	stolen	Cards,	Devices	or	Codes	or	         of Conduct. a copy of these procedures is available
     if	you	need	any	assistance	with	the	Citibank	Non-            on	request.
     Cash	Payment	Facilities,	telephone	24	hours	a	day,	
                                                             20.6	Despite	the	existence	of	these	procedures,	you	
     seven	days	a	week	on:
                                                                  must refer at first instance any disputes relating to
	    13	11	25	(within	Australia);	or                              a	Transaction	amount	to	the	Merchant	concerned	
     +61	7	3362	8549	(if	outside	Australia).                      where	the	Transaction	was	made	through	Electronic	
20. Errors and Questions                                          Equipment	at	the	Merchant’s	site.	This	does	
                                                                  not apply where the dispute arises due to the
20.1	Your	role	is	extremely	important	in	the	prevention	
                                                                  occurrence	of	an	event	referred	to	in	clause	18.1	
     of any unauthorised use or operation of your
                                                                  above.
     Account.	You	must	promptly	examine	your	
     statement	upon	receipt.	If	you	discover	any	            20.7	For	eligible	Transactions	processed	through	a	
     Unauthorised	Transactions,	discrepancies,	                   Network	we	may:
     omissions,	debits	wrongly	made,	inaccuracies	or	             (1) resolve a complaint under the rules of the
     incorrect	entries	in	your	statement,	or	you	have	                Network.	If	we	decide	to	resolve	a	dispute	
     a complaint or believe that an error or fraud                    in this manner we and you are bound by the
     has	occurred	in	relation	to	a	Citibank	Non-Cash	                 operating	rules	of	the	Network	and	resolution	
     Payment Facility you must immediately call us.                   will be governed by the limits imposed by
20.2	Your	ability	to	dispute	a	Transaction	may	be	lost	if	            those rules. Failure to notify us within the time
     you do not notify us immediately on having notice                frames	set	by	the	Network	may	affect	the	
     of	the	Transaction.                                              success	of	your	claim;
20.3 you must then provide written notice to us with              (2)		 claim	a	Chargeback	right	where	one	exists	
     sufficient details to enable us to investigate the                 and	you	have	notified	a	disputed	Transaction	
     enquiry.	The	notice	shall	include	the	following	                   to	us	within	the	required	time	frame;
     information:


                                                                                                                        30
     (3)		 claim	a	Chargeback	for	the	most	appropriate	       22. Code Not Properly Safeguarded
           reason;	and                                        22.1	If	you	or	an	Additional	Cardholder	have	contributed	
     (4)		 reject	a	refusal	of	a	Chargeback	by	a	                  to a loss by (including and not limited to):
           Merchant’s	financial	institution	if	it	is	              (1)		 writing	or	indicating	the	Code	on	the	Card;
           inconsistent with the relevant operating rules.
                                                                   (2) writing or indicating the Code on any
21. Liability for Unauthorised Transactions                            article carried with or stored with the Card
                                                                       or	Identifier	(unless	you	or	the	Additional	
21.1	Subject	to	clause	22	you	will	have	no	liability	for	
                                                                       Cardholder have very carefully disguised the
     an	Unauthorised	Transaction:
                                                                       Code) or liable to loss or theft at the same
     (1)		 arising	from	a	Transaction	that	is	caused	                  time	with	the	Card	or	Identifier;	or
           by the fraudulent or negligent conduct of
                                                                   (3)	 voluntarily	disclosing	the	Code	to	anyone	else,	
           our employees or companies involved in
                                                                        then you are liable for all losses which occur
           networking	arrangements	or	of	Merchants	
                                                                        before we are notified that an event referred
           who	are	linked	to	Electronic	Equipment	or	of	
                                                                        to	in	clause	18.1	above	has	occurred,	except	
           their	agents	or	employees;
                                                                        for that part of any losses incurred which:
     (2)	 relating	to	Cards,	Identifiers	or	Codes	that	are	
                                                                   (4)		 on	any	one	day	exceed	the	Daily	Transaction	
          forged,	faulty,	expired	or	cancelled;
                                                                         Limit;	or
     (3)		 arising	from	a	Transaction	which	requires	
                                                                   (5)		 exceed	the	available	funds	including	any	
           the use of a Card and/or Code and occurring
                                                                         agreed line of credit in the account at the
           before you or any additional Cardholder have
                                                                         time	of	the	Unauthorised	Transaction.
           received	your	Card	or	Code;
                                                              22.2	If	you	or	an	Additional	Cardholder	have	contributed	
     (4)		 resulting	from	a	Transaction	occurring	after	
                                                                   to a loss by unreasonably delaying notification of
           notification to us that an event referred to in
                                                                   the occurrence of an event referred to in clause
           clause	18.1	above	has	occurred;
                                                                   18.1	above,	you	are	liable	for	all	losses	which	occur	
     (5) where it is clear that neither you nor any                between when you or an additional Cardholder
         additional Cardholder have contributed to the             (as applicable) first became aware (or should
         losses	from	the	Unauthorised	Transaction;	or              reasonably have become aware in the case of a
     (6)	 that	is	caused	by	the	same	Transaction	being	            lost	or	stolen	Card,	Identifier	or	Code)	of	an	event	
          incorrectly debited more than once to your               occurring	and	when	we	were	actually	notified,	
          account.                                                 except	for	that	part	of	any	losses	incurred	which:
21.2	This	section	does	not	apply	to	any	Transaction	               (1)	 on	any	one	day	exceed	the	Daily	Transaction	
     carried out by you or an additional Cardholder or                  Limit;	or
     by	anyone	performing	a	Transaction	with	your	or	an	           (2)	 exceed	the	available	funds	including	any	
     Additional	Cardholder’s	knowledge	and/or	consent	                  agreed line of credit in the account at the
     (as applicable).                                                   time	of	the	Unauthorised	Transaction.
                                                              22.3	Other	loss:
                                                              	    Where	it	is	unclear	whether	or	not	you	or	an	


  31
     additional Cardholder have contributed to a loss          24. Use of the Card outside Australia
     resulting	from	an	Unauthorised	Transaction	then,	
                                                               24.1	All	cash	withdrawals	made	by	use	of	the	Card:
     for	the	period	commencing	from	the	time	the	Card,	
     Identifier	or	Code	was	misused,	lost	or	stolen,	               (1) shall be in a currency permitted in the country
     until the time you or an additional Cardholder (as                 where	the	Transaction	is	effected;	and
     applicable)	notify	us,	you	could	lose	up	to	the	lesser	        (2)		 when	the	Card	is	used	outside	Australia,	
     of:                                                                  Transactions	effected	in	a	currency	other	
     (1)	 $150	Australian	dollars	(or	such	lower	                         than australian dollars will be converted
          amount	that	may	be	determined	by	us);                           to	Australian	dollar	at	a	rate	of	exchange	
                                                                          determined by us on the date it receives the
     (2)	 the	actual	amount	lost;	or
                                                                          record	of	the	Transaction;	and
     (3) the available funds in the account.
                                                                    (3) when the Card is used outside australia
23. Malfunctions of Electronic Equipment                                for	cash	withdrawals,	shall	constitute	a	
or System                                                               withdrawal from the account in australia
23.1	If	our	Electronic	Equipment	or	our	electronic	                     and remittance to the country where you
     system	malfunctions,	resulting	in	loss	to	you,	we	                 or an additional Cardholder made the cash
     will	correct	that	loss	by	making	any	necessary	                    withdrawal.
     adjustment	to	the	Account	including	an	adjustment	        24.2	Subject	to	the	provisions	of	clause	25,	the	use	
     for any applicable interest or fees.                           of	the	Card	outside	Australia	is	subject	to	any	
23.2	If	our	customer	service	telephone	notification	                exchange	control	regulations	and	requirements	of	
     number	should	ever	be	temporarily	unavailable,	                the	Reserve	Bank	of	Australia.
     we will reimburse any loss arising between                24.3	The	maximum	amount	of	a	cash	advance	by	
     the time you or an additional Cardholder (as                   use of the Card and the purpose for which it is
     applicable) attempted notification and the actual              obtained	may	be	determined	by	the	Reserve	Bank	
     time of notification provided you or an additional             of	Australia	and	the	laws	and	requirements	of	the	
     Cardholder	subsequently	gave	such	notice	at	the	               country in which the cash advance is effected or
     first reasonable opportunity.                                  requested	or	any	other	applicable	law.
23.3	Our	liability	shall	be	limited	to	the	correction	of	      24.4	The	use	of	the	Card,	Internet	Banking	and	
     any errors and the refunding of any charges or fees            Telephone	Banking	outside	Australia	is	also	
     imposed where:                                                 subject	to	the	laws	and	sanctions	of	Australia,	the	
     (1) the failure or malfunction is caused by your or            USA,	and	the	country	in	which	you	use	or	try	to	
         an	Additional	Cardholder’s	(as	applicable)	act	            use	those	facilities.	We	are	not	liable	in	any	way	
         or	omission;	or                                            whatsoever to you or any additional Cardholder for
                                                                    you or an additional Cardholder (as applicable) not
     (2) you or an additional Cardholder should have
                                                                    being able to use those facilities.
         been	aware	that	our	Electronic	Equipment	or	
         our electronic system was unavailable for use
         or was malfunctioning.




                                                                                                                     32
25. ATM Cash Withdrawals (Cash Advances)                    27.2	No	withdrawal,	transfer	or	payment	from	an	
	    You	and	any	Additional	Cardholders	may	make	                Account	may	be	made	which	exceeds	the	credit	
     cash withdrawals (including outside of australia)           balance of that account or any agreed line of
     from	an	Account	by	use	of	the	Card	at	ATMs.	Use	            credit.
     of	the	Card	at	ATMs	will	result	in:                    27.3	We	shall	not	be	responsible	to	you	for	any	loss	
     (1)	 the	collection,	storage,	communication,	               incurred by you in any of the following situations:
          monitoring and processing (by any means)               (1) you do not have sufficient funds in your
          by	Network	Members	of	all	information	and	                 Account	to	make	a	funds	transfer	or	payment;
          data necessary for us to maintain appropriate          (2) an order of court directs us to prohibit funds
          Transaction	records	in	relation	to	the	Account;            transfers or payments from the relevant
     (2) the release and transmission to and between                 Account;
         Network	Members	of	all	information	and	                 (3) your account is closed or your account (or any
         data (including details of the account and any              funds	in	it)	has	been	frozen;
         Transactions	shown)	necessary	to	enable	the	
                                                                 (4) the funds transfer or payment causes your
         Card	to	be	used	in	ATMs;
                                                                     account balance to go over the credit limit of
     (3) the retention of all such information and data              your	Account;
         by	Network	Members;	and
                                                                 (5) you have not provided us with complete
     (4) the disclosure of all such information and                  and	correct	payment	information,	including	
         data	by	Network	Members	in	compliance	with	                 without	limitation	the	name,	address,	
         all applicable laws and regulations governing               account(s)	number,	and	payment	amounts	for	
         such disclosure.                                            the	payee;
26. Ownership of the Card                                        (6)	 you	did	not	correctly	use	any	Electronic	
	    The	Card	remains	our	property.                                   Equipment	including	Internet	Banking;	or
     you must return the Card to us upon:                        (7)	 circumstances	beyond	our	reasonable	control	
                                                                      prevent	the	funds	transfer	or	payment,	despite	
     (1)	 receiving	notice	from	us	cancelling	the	Card;
                                                                      reasonable	precautions	taken	by	us.
     (2)	 closure	of	the	Account;
                                                            28. Printed Transaction Record
     (3) revocation of your authority to operate on the
         Accounts;	or                                       	    When	you	or	an	Additional	Cardholder	complete	a	
                                                                 Transaction	through	Electronic	Equipment	you	or	
     (4) upon you notifying us in writing that at least
                                                                 an additional Cardholder (as applicable) should
         two	signatories	are	required	to	operate	the	
                                                                 print	a	Transaction	record.	You	or	an	Additional	
         account.
                                                                 Cardholder	(as	applicable)	should	check	the	record	
27. Transactions                                                 to	ensure	that	it	reflects	the	Transactions	correctly	
27.1	Any	Transaction	made	through	Electronic	                    and accurately.
     Equipment	prior	to	midnight	on	any	day	may	            29. Use Of Electronic Mail
     be processed to the account on the date of the
                                                                 Neither you nor any additional Cardholder can
     following	Business	Day	at	our	discretion.
                                                                 use electronic messages to initiate or conduct

    33
     Transactions	on	your	Account.	For	Transactions,	
     please	visit	a	Suncorp	branch,	an	Australia	
     Post	office	or	an	ATM	to	conduct	your	banking	
     Transactions.
C    DIRECT DEBITS
30. Application
30.1	You	may	arrange	to	make	regular	payments	from	
     your	Account	using	Direct	Debit	Request	facilities.
30.2	You	can	authorise	a	debit	user,	who	may	be	
     a		Merchant	or	other	service	provider,	to	debit	
     amounts	from	your	Account,	as	and	when	you	owe	
     those	amounts	to	the	debit	user.	This	is	called	a	
     Direct	Debit	arrangement.	The	Merchant	or	service	
     provider	will	provide	you	with	a	Direct	Debit	
     Request	Service	Agreement	for	you	to	complete	
     and sign to provide them with this authority.
30.3	Details	regarding	timing	of	a	direct	debit	will	
     be	outlined	in	the	Direct	Debit	Request	Service	
     Agreement	the	Merchant	or	service	provider	has	
     supplied to you.
31. Available Credit
31.1	Before	each	direct	debit	you	must	ensure	that	you	
     have sufficient available credit or available funds in
     your	Account,	from	which	a	payment	will	be	made,	
     to	enable	that	payment	to	be	made.	If	the	payment	
     date	falls	on	a	day	other	than	a	Business	Day,	that	
     credit must be available by close of business on the
     previous	Business	Day.
31.2	If	your	Account	has	insufficient	credit	or	available	
     funds to cover the amount of the payment we
     can,	at	our	discretion,	honour	the	transaction.	
     By	honouring	a	transaction	this	may	cause	your	
     Account	to	become	overlimit.	This	does	not	
     constitute our authorisation or agreement for
     the account to be overlimit and you should refer
     to	your	Credit	Card	Terms	and	Conditions	for	
     information on overlimit accounts.


                                                              34
PART	3	-	General	Terms	and	                                3. Fees and charges
                                                           Subject	to	the	Credit	Card	Terms	and	Conditions,	any	
Conditions	applying	to	all	Suncorp	
                                                           fees,	government	charges	and	stamp	duty	payable	as	a	
Non-Cash	Payment	Facilities	                               result of the use of a Suncorp Non-Cash Payment Facility
and	Citibank	Non-Cash	Payment	                             or	a	Citibank	Non-Cash	Payment	Facility	are	payable	by	
                                                           you and such charges will be debited to the account.
Facilities
                                                           you may be charged a fee for the issue or re-issue of any
The Part 3 Terms and Conditions are deemed to              device	for	Transactions.	Information	on	the	current	fees	
be part of Part 1 and Part 2.                              and	charges	is	available	on	request.		

1.    Code of Banking Practice and Electronic
      Funds Transfer Code of Conduct
1.1	 Where	the	Code	of	Banking	Practice	applies	
     Citibank	and	Suncorp	will	observe	the	relevant	
     provisions	of	that	Code.	Citibank	will	provide	you	
     with	a	copy	of	the	Code	of	Banking	Practice	on	
     request.
1.2 General descriptive information on the following
    can	be	provided	on	request:
      (1)	 account	opening	procedures;
      (2) our obligations regarding the confidentiality
          of	your	information;
      (3)		 complaint	handling	procedures;	and
      (4) the advisability of you informing us promptly
          when you are in financial difficulty.
1.3	 Citibank	and	Suncorp	warrant	that	we	comply	with	
     the	requirements	of	the	Electronic	Funds	Transfer	
     Code of Conduct.
2. Statements of Account
Transactions	performed	using	electronic	equipment	
(including	ATM,	EFTPOS,	Internet	Banking	and	Telephone	
Banking)	will	be	recorded	on	your	statements	of	
account which are provided to you in accordance with
your	Suncorp	Clear	Options	Credit	Card	Terms	and	
Conditions.




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37
For	more	information	on	Suncorp	Clear	Options	Credit	Cards	visit	us	at	
suncorp.com.au or call 13 11 55
Platinum Cardholders should call
1800 070 524
For	card	activation,	call
1300 203 074
If	you	are	calling	from	overseas	please	call	
+61 7 3362 1712
For general correspondence please write to
GPO	Box	40	
Sydney	NSW	2001	
For	privacy	related	enquiries	you	may	contact	our	Privacy	Officer	at	privacy.officer@citi.com.au	
or write to:
GPO	Box	204	
Sydney	NSW	2001	
alternatively you may call us on the number above.

                                                                                                    38
How to contact us
•	 Call	us	on	13	11	55
•	 Visit	one	of	our	branches	or	agencies
•	 Find	us	on	the	web	at	suncorp.com.au




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