VISA Debit Card Conditions of Use

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VISA Debit Card Conditions of Use These Conditions of Use take effect on and from 4 June 2018 except as otherwise advised in writing and replace all VISA Debit Card Conditions of Use previously issued. These Conditions of Use apply to your use of the VISA card. You will also be given a Member Information Guide which sets out other important information about this product. These Conditions of Use also govern the use of the VISA card to access your Linked Account(s). SCU will process the value of all transactions, and any fees and charges, to your Linked Account(s). Each such transaction will be governed by these Conditions of Use and by the Terms and Conditions for the relevant Linked Account. You should read this document carefully and retain it for future reference. Copies of the document can be made available to you on request from SCU . Enquiries If you would like any further information about the VISA card please contact SCU.

Sydney Credit Union Ltd (SCU) ABN 93 087 650 726 AFSL 236 476 Australian Credit Licence Number 236 476

Date of issue: 4 June 2018

You should follow the guidelines in the box below to protect against unauthorised use of VISA card PIN.below Thesetoguidelines provide You should follow thethe guidelines in and the box protect against examples of security measures onlyand andPIN. will These not determine your liability unauthorised use of the VISA card guidelines provide for any losses resulting from unauthorised EFT Liability for examples of security measures only and will notTransactions. determine your liability such transactions will befrom determined in accordance with clause 16 of these for any losses resulting unauthorised EFT Transactions. Liability for ePayments code. Conditions of Use will andbe thedetermined Electronic Funds Transferwith Code of Conduct. such transactions in accordance clause 16 of these Conditions of Use and the Electronic Funds Transfer Code of Conduct.

Guidelines for Ensuring the Security of the VISA card and PIN Guidelines for Ensuring the Security of the VISA card and PIN Sign the VISA card as soon as you receive it; Sign the VISA card as soon as you receive it; Keep the VISA card in a safe place; Keep the VISA card in a safe place; If you change the PIN, you must not select a PIN which represents your datethe or aPIN, recognisable partselect of your name; If youbirth change you must not a PIN which represents your birth date or a recognisable part of your name; Never write the PIN on the VISA card;

Never write the PIN on the VISA card; Never write the PIN on anything which is kept with or near the VISA card; Never write the PIN on anything which is kept with or near the VISA card; Never lend the VISA card to anybody;

Never lend the VISA card to anybody; Never tell or show the PIN to another person; Never tell or show the PIN to another person; Use care to prevent anyone seeing the VISA card number and PIN being entered at Electronic Use care to prevent anyoneEquipment; seeing the VISA card number and PIN being entered at Electronic Equipment; Immediately report the loss, theft or unauthorised use of the VISA card to SCU report or to the Card Hotline; use of the VISA Immediately theLost/Stolen loss, theft or unauthorised card to SCU or to the Lost/Stolen Card Hotline; Keep a record of the VISA card number and the Lost/Stolen Card Hotline number usual listthe of emergency Keep a telephone record of the VISA with cardyour number and Lost/Stolen Card telephone numbers; Hotline telephone number with your usual list of emergency

telephone numbers; Examine your periodical statement immediately upon receiving it to identify report, as soon as possible, any instances where the Examineand your periodical statement immediately upon receiving it to VISA card beenasused your authority; and where the identify andhas report, soonwithout as possible, any instances VISA card has been used without your authority; and Immediately notify SCU of any change of address. Immediately notify SCU of any change of address.

1.

INTRODUCTION

1.

INTRODUCTION a. These Conditions of Use govern use of the VISA card to access your Linked Account(s) atgovern SCU. Each transaction on a to Linked a. These Conditions of Use use of the VISA card access Account is also governed the Each termstransaction and conditions which your Linked Account(s) at by SCU. on a to Linked that account is subject. In by thethe event of an Account is also governed terms andinconsistency conditions tobetween which these Conditions of UseInand terms applicable to yourbetween Linked that account is subject. thethe event of an inconsistency Account(s), theseof Conditions of Use shall prevail. to your Linked these Conditions Use and the terms applicable b.

Account(s), these Conditions of Use shall prevail. Denitions

b.

Denitions In these Conditions of Use: In thesemeans Conditions of Use: teller machine. “ATM” automatic “Card Details”an means the information provided on the card and includes, but is means not limited the card provided number and expiry date. “Card Details” the to, information on the card and includes, but is not limited to, the card number and expiry date. “CUSCAL” means Cuscal Limited. “CUSCAL” means Cuscal Limited. “Day” means a 24 hour period commencing on midnight in Sydney Eastern Standard Timecommencing or Eastern Summer Time, “Day” means a 24 hour period on midnight inas the case may be. Standard Time or Eastern Summer Time, as the Sydney Eastern case may be.

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“EFT System” means the shared system under which EFT Transactions are processed. “EFT Terminal” means the electronic equipment, electronic system, communications software controlled or “EFT System” means thesystem sharedor system under which EFT provided by orare onprocessed. behalf of SCU or any third party for use with a Transactions VISA card and PIN to conduct an EFT Transaction and includes, “EFT Terminal” means the electronic equipment, electronic but is not limited to, an automatic teller machine or point of sale system, communications system or software controlled or terminal. provided by or on behalf of SCU or any third party for use with a “EFT means a transaction initiated byand your VISA Transaction” card and PIN to conduct an EFT Transaction includes, instruction to: but is not limited to, an automatic teller machine or point of sale terminal. (a) withdraw cash from an automatic teller machine with the card and your PIN; “EFTVISA Transaction” means a transaction initiated by your instruction to: goods and/or services at VISA Outlets using the (b) purchase VISA cardcash and from your an PINautomatic or signature depending (a) withdraw teller machine on withthe the relevant authorisation requirement of the VISA Outlet; and VISA card and your PIN;

(c) a payment via theservices internet at or VISA telephone using your (b) make purchase goods and/or Outlets using the Visa card and any security code VISA cardnumber and your PIN or associated signature depending on the if required. relevant authorisation requirement of the VISA Outlet; and “Electronic Equipment” includes, butoris istelephone not limited limitedusing to, aa your “Electronic Equipment” but not to, (c) make a payment via includes, the internet computer, television, telephone and and an an EFT EFT Terminal. Terminal. computer, television, Visa card numbertelephone and any associated security code “Identifier” means information that you or a Nominee must if required. “Linked Account” means your account(s) which you link to a provide to perform a Transaction and which you and your VISA card, and includes any overdraft or not line limited of credit which you “Electronic includes, a secret, Nominee as Equipment” applicable knows but isbut notis required to to, keep may attach to your Linked Account. computer, telephone an number. EFT Terminal. such as antelevision, account number or aand serial “Merchant” meansmeans a retailer or account(s) any other provider of goods “Linked Account” your which you link to a or services. VISA card, and includes any overdraft or line of credit which you may attach means to your any Linked Account. “Nominee” person nominated by you to whom

SCU has issued an aadditional card to accessof your “Merchant” means retailer orVISA any other provider goods Linked Account(s). or services. "PayWave" meansany the person functionality on specific debit “Nominee” means nominated by youVISA to whom cards thatissued enables to makeVISA small value purchases SCU has anyou additional card to access yourat participating merchant outlets. Linked Account(s).

issueddebit to you “PIN” meansmeans the personal identification "PayWave" the functionality on number specific VISA or a Nominee by SCU use with a VISA when giving cards that enables youfor to make small valuecard purchases at an participating merchant outlets.Equipment. instruction through Electronic “Regular Payment Arrangement” means eitherissued a recurring number to youor “PIN” means the personal identification an ainstalment agreement between youwhen (the cardholder) or Nominee payment by SCU for use with a VISA card giving an and a Merchant in which you have preauthorised the Merchant instruction through Electronic Equipment. to bill your Linked Account at predetermined intervals (eg. “Regular Payment Arrangement” means either a recurring or monthly or quarterly) or at intervals agreed by you. The amount an instalment payment agreement between you (the cardholder) may differ or be the same for each transaction. and a Merchant in which you have preauthorised the Merchant “SCU” means yourAccount Credit Union with which your Linked Account to bill your Linked at predetermined intervals (eg. is held or quarterly) or at intervals agreed by you. The amount monthly may differ or means be the same for each transaction. “VISA card” the VISA card issued to you or a Nominee c. 2.

2.

by SCU. “SCU” means your Credit Union with which your Linked Account is held otherwise required by the context, a singular word Unless

includes the plural versa. “VISA card” meansand thevice VISA card issued to you or a Nominee by SCU. CODES OF CONDUCT c. Unless otherwise required by the context, a singular word a. includes SCU warrants that and it willvice comply with the requirements of the the plural versa. Electronic Funds Transfer Code of Conduct where that code applies, and any other relevant industry code of practice that CODES OF CONDUCT may apply to it. a. requirements of of the the a. SCU warrants that it will comply with the requirements Customer BankingCode Codeof ofConduct Practice,where the ePayment Electronic Owned Funds Transfer that code code where any other applies, and that any code otherapplies, relevantand industry code relevant of practice that industry code may apply to it.of practice that may apply to it.

2 2 •• SCU SCU Visa Visa Debit Debit Card Card Conditions Conditions of of Use Use

b.

3.

Where the ePayment Code applies, your liability and responsibilities do not exceed your liability and responsibilities under the ePayment Code, despite any other provision of these Conditions of Use.

SIGNING THE VISA CARD You agree to sign your VISA card immediately upon receiving it and before using it as a means of preventing fraudulent or unauthorised use of your VISA card. You must ensure that your Nominee signs the VISA card issued to them immediately upon receiving it and before using it.

4.

3.

4.

5.

5.

PROTECTING THE PIN a.

SCU will provide a PIN to use the VISA card with certain Electronic Equipment. You agree to protect this PIN as a means of preventing fraudulent or unauthorised use of the VISA card.

b.

PIN to another You must not not voluntarily tell or showdisclose the PINthe to another personperson or alloworitallow to it toseen be seen by another person, including family friends. be by another person, including youryour family andand friends.

SIGNING VISA c. If youTHE change theCARD PIN, you must not select a PIN which represents your birth date or aimmediately recognisable partreceiving of your name. You agree to sign your VISA card upon it and If you doituse obvious PIN such asfraudulent a name or you may before using as aanmeans of preventing ordate unauthorised beyour liable for any losses which occur as a result of unauthorised use of VISA card. use of the PIN before notification to SCU that the PIN has been You must ensure that your Nominee signs the VISA card issued to misused or has become known to someone else. them immediately upon receiving it and before using it. d. Do not record the PIN on the VISA card or keep a record of the PIN on anything which is kept with or near the VISA card unless PROTECTING THE PIN reasonable steps have been taken to carefully disguise the PIN a. or SCU will provide a PIN to use the VISA with certain access to thatcard record. to prevent unauthorised Electronic Equipment. You agree to protect this PIN as a means e. of A reasonable attempt to or protect the security PIN record preventing fraudulent unauthorised useof ofathe USING THE VISA CARD includes making any reasonable attempt to disguise the PIN VISA card. can up to AU$35.00 dollars within theconduct record, transactions or prevent unauthorise access to thewithout PIN record, a. You b. entering You mustyour not tell theas PIN to another or allow it to PINororshow signing long as theseperson transactions are including by: be seen byface-to-face another person, including yourmerchant family and friends. conducted at a participating outlet. (a) hiding or disguising the PIN record among other records; The must provide you with a receipt for which the transaction c. If youmerchant change the PIN, you select PIN or disguising themust PIN not record in aaplace where a PIN if(b) youhiding request. represents your birth date or a recognisable part of your name. record would not be expected to be found; you do use an obvious PIN asuch asdebit a name or date youwhich may is b. If If youkeeping have been issued Visa (c) of with the PIN record inPayWave a securelycard locked a record be liable forby any losses whichlogo, occur aswill a result of unauthorised identifiable the PayWave you be able to make faster container; or use of the PIN beforeofnotification to SCU the always PIN hashave, beenyou purchases. Instead swiping your cardthat as you (d) preventing unauthorised access to an electronically stored will just need to become tap your known Visa card against the contactless reader. misused or has to someone else. recordusing of thethe PIN record. functionality can only be made at a Payments PayWave d. Do not record the PIN on the VISA card or keep a record of the andthe if your is under f. participating You must notmerchant write youroutlet PIN on VISApurchase card, or keep a record PIN on anythingyour which is kept is with or near VISA card unless AU$100.00. purchase equal orthe over you'll of the PIN onIfanything carried with theto VISA cardAU$100.00, or liable to loss reasonable been taken to carefully disguise the PIN still need to steps sign orhave enter a PIN. of theft simultaneously with the VISA card, unless you make a or toVisa prevent unauthorised access to continue that record. The and SCU security systems to protect reasonable attempt to protect the security of the PIN. you from unauthorised transactions. The same conditions apply to your Visa USING THE VISA CARD Debit PayWave transactions as your other Visa card transactions. a. c.

d. b.

e.

You can conduct transactions up to dollars without The VISA card may only be used to AU$35.00 perform transactions on entering your PIN or signing as long as these transactions are your Linked Account(s). SCU will advise you of the accounts, conducted face-to-face at a participating merchant outlet. including any credit facility, which you may link to the VISA card. The merchant must provide you with a receipt for the transaction ifSCU youwill request. debit your Linked Account(s) with the value of all transactions, including sales and cash advance vouchers arising If you have been issued with a Visa debit PayWave card which is from the use of the VISA card (including all mail or telephone identifiable by the PayWave logo, you will be able to make faster orders placed by quoting the VISA card number) and all other purchases. Instead of swiping your card as you always have, you EFT Transactions, or credit your Linked Account(s) with the will just need to tap your Visa card against the contactless reader. value of allusing deposit at EFT Terminals. Payments thetransactions PayWave functionality can only be made at a

participating merchant outlet if your purchase is under SCU will advise you from timeand to time: AU$100.00. If your purchase is equal to or over AU$100.00, you'll (1) what EFT Transactions may be performed using the VISA still need to sign or enter a PIN. card;and andSCU security systems continue to protect you from 3 The Visa

unauthorised transactions. The same conditions apply to your Visa

participating merchant outlet and if your purchase is under AU$100.00. If your purchase is equal to or over AU$100.00, you'll still need to sign or enter a PIN. The Visa and SCU security systems continue to protect you from unauthorised transactions. The same conditions apply to your Visa Debit PayWave transactions as your other Visa card transactions. c.

The VISA card may only be used to perform transactions on your Linked Account(s). SCU will advise you of the accounts, including any credit facility, which you may link to the VISA card.

d.

SCU will debit your Linked Account(s) with the value of all transactions, including sales and cash advance vouchers arising from the use of the VISA card (including all mail or telephone orders placed by quoting the VISA card number) and all other EFT Transactions, or credit your Linked Account(s) with the value of all deposit transactions at EFT Terminals.

e.

SCU will advise you from time to time: (1) what EFT Transactions may be performed using the VISA card; and (2) what EFT Terminals may be used.

f.

6.

Transactions will not necessarily be processed to your Linked Account on the same Day.

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USING THE VISA CARD OUTSIDE AUSTRALIA a.

All transactions made in a foreign currency on the VISA card will

be converted into Australian currency by VISA Worldwide, and8/01/13 2: sa DEBIT Conditions (Aug12) with changes.indd 4 calculated at a wholesale market rate selected by VISA from within a range of wholesale rates or the government mandated rate that is in effect one day prior to the Central Processing Date (that is, the date on which VISA processes the transaction).

7.

b.

All transactions made in a foreign currency on the VISA card are subject to a currency conversion fee equal to 2% of the value of the transaction and payable to Cuscal as the principal member of VISA Worldwide. The amount of this currency conversion fee is subject to change from time to time and SCU will advise you in advance of any such change.

c.

Some overseas Merchants and EFT Terminals charge a surcharge for making an EFT Transaction. Once you have confirmed the transaction you will not be able to dispute the surcharge. The surcharge may appear on your statement as part of the purchase price.

d.

Some overseas Merchants and EFT Terminals allow the cardholder the option to convert the value of the transaction into Australian dollars at the point of sale, also known as Dynamic Currency Conversion. Once you have confirmed the transaction you will not be able to dispute exchange rate applied.

e.

Before travelling overseas, you or your Nominee should consult SCU to obtain the VISA Card Hotline number for your country of destination. You should use the VISA Card Hotline if any of the circumstances described in clause 17 apply.

f.

A cardholder must comply with all applicable exchange control and tax laws governing the use of the card and you indemnify us against liability, loss, fees, charges or costs arising as a consequence of a failure to comply with them.

g. A cardholder travelling overseas must advise SCU of the WITHDRAWAL AND TRANSACTION LIMITS . This will avoid departure and return dates and destinations any block the card bycard our fraud department due to unusual a. You agreeon that the VISA will not be used to: spends in foreign countries. (1) overdraw any of your Linked Account(s); or

(2) exceed the unused portion of your credit limit under any pre-arranged credit facility such as line of credit 4 • SCU Visa Debit Card Conditions of Use or overdraft.

consequence consequence of of a a failure failure to to comply comply with with them. them. 7. 7.

WITHDRAWAL AND AND TRANSACTION TRANSACTION LIMITS LIMITS WITHDRAWAL a. a.

You You agree agree that that the the VISA VISA card card will will not not be be used used to: to: (1) (1) overdraw overdraw any any of of your your Linked Linked Account(s); Account(s); or or (2) (2) exceed exceed the the unused unused portion portion of of your your credit credit limit limit under under any any pre-arranged pre-arranged credit credit facility facility such such as as line line of of credit credit or or overdraft. overdraft.

b. b.

If clause 7(a) 7(a) is is breached, If clause breached, SCU SCU may: may: (1) (1) dishonour dishonour any any payment payment instruction instruction given; given; and and (2) (2) charge charge you you an an administrative administrative fee fee as as advised advised to to you you from from time time to to time. time.

8.

c. c.

S SCU CU may may at at any any time time limit limit the the amount amount of of an an EFT EFT Transaction Transaction ifif this this is is required required for for security security or or credit credit risk risk purposes. purposes. SCU SCU will will advise advise you you of of any any such such daily daily or or periodic periodic transaction transaction limits limits in in the the Membership Membership Information Information Guide Guide (MIG) (MIG) for for the the VISA VISA card. card.

d. d.

You acknowledge acknowledge that that third third party party organisations organisations including including You Merchants may may impose impose additional additional restrictions restrictions on on the the amount amount Merchants of funds funds that that may may be be withdrawn, withdrawn, paid paid or or transferred. transferred. of

AUTHORISATIONS You acknowledge and agree that:

4 •• SCU SCU Visa Visa Debit Debit Card Card Conditions Conditions of of Use Use 4

(a) SCU has the right to deny authorisation for any EFT Transaction where this is required for security or credit risk purposes; and (b) SCU will not be liable to you or any other person for any loss

sa with or damage which you or55 such other person may suffer as a sa DEBIT DEBIT Conditions Conditions (Aug12) (Aug12) with changes.indd changes.indd

result of such refusal.

9.

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DEPOSITS AT EFT TERMINALS a.

Any deposit you make at an EFT Terminal will not be available for you to draw against until your deposit has been accepted by SCU.

b.

Cheques will not be available to draw against until cleared.

c.

Your deposit is accepted once SCU has verified it in the following way: (1) your deposit envelope will be opened in the presence of any two persons authorised by SCU; (2) should the amount you record differ from the amount counted in the envelope, SCU may correct your record to the amount counted; (3) SCU’s count is conclusive in the absence of manifest error or fraud unless you provide us with satisfactory supporting evidence of the amount that you deposited.

10.

d.

If the amount recorded by the EFT Terminal as having been deposited should differ from the amount counted in the envelope by SCU, SCU will notify you of the difference as soon as possible and will advise you of the actual amount which has been credited to your Linked Account.

e.

SCU is responsible for the security of your deposit after you have completed the transaction at the EFT Terminal (subject to SCU’s verification of the amount you deposit).

ACCOUNT STATEMENTS a.

SCU will send you an account statement for the Linked Account

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SCU’s verification of the amount you deposit). 10.

11.

ACCOUNT STATEMENTS a.

SCU will send you an account statement for the Linked Account at least every 6 months. You may request more frequent account statements.

b.

In respect of any Linked Accounts which have a pre-arranged credit facility attached such as line of credit or overdraft, SCU will send you an account statement monthly.

c.

You may request a copy of your account statement at any time.

d.

SCU may charge a fee for responding to any request by you to provide more frequent account statements or copies of your account statements.

TRANSACTION SLIPS AND RECEIPTS It is recommended that you check and retain all transaction slips, receipts and payment or transfer reference numbers issued to you after conducting an EFT Transaction, as well as copies of all sales and cash advance vouchers, to assist in checking EFT Transactions against your statements.

12.

ADDITIONAL CARDS a.

sa DEBIT Conditions (Aug12) with changes.indd 6

12.

5

You may authorise SCU, if it agrees, to issue an additional VISA card to your Nominee provided this person is over the age of 18 (unless SCU agrees to a younger age).

b.

You will be liable for all transactions carried out by your Nominee on the VISA card.

c.

SCU will give each Nominee a PIN.

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d. Your Nominee’s use of the VISA card and PIN is governed by ADDITIONAL CARDS the Conditions of Use. a. e.

You SCU, if itNominee agrees, to issue an additional VISA You may mustauthorise ensure that each protects their VISA card cardPIN to your Nominee provided thisConditions person is over therequire age of 18 and in the same way as these of Use (unless SCU agrees to a card younger you to protect your VISA and age). PIN.

b. You cardholders will be liablehave for allthe transactions carried an outadditional by your Existing option to request RENEWAL OFonTHE Nominee the VISA VISA CARD card. cardholder. Examples of when an additional card holder may be requested: a. are in breach of these Conditions of Use or SCU c. Unless SCU willyou give each Nominee a PIN. deems otherwise for the security of the EFT System or individual • For aNominee’s student who is of traveling overseas d. Your use the VISA card andyou PINand is governed by accounts, SCU will automatically provide your Nominee • the For a spouse orofpartner Use. withConditions a replacement VISA card before the expiry date of the current VISA card or additional VISA card. e. You must ensure that each protects Each additional card holder mustNominee be treated as an their ATO.VISA card PIN in the same way as AML Conditions of Use ATO’s must thetorequired identification documents, b. and If you doprovide not wish receive athese replacement VISA card,require either for you tothe protect your VISA card and must PIN. complete ATO be loaded as a client. yourself or for form your and Nominee, you notify SCU before the expiration date of the current VISA card. You must give SCU reasonable time VISA beforehand 13. RENEWAL OF THE CARD to arrange cancellation of the issue of a replacement VISA card. a. Unless you are in breach of these Conditions of Use or SCU deems otherwise for the security of the EFT System or individual 14. CANCELLATION AND RETURN OF THE VISA CARD accounts, SCU will automatically provide you and your Nominee a replacement VISA card before the expiry date of the a. with The VISA card always remains the property of SCU. current VISA card or additional VISA card. b. SCU can immediately cancel the VISA card and demand its b. If you do not wish replacement VISA card, these either for return at any time to forreceive securityareasons or if you breach yourself or for yourorNominee, notify SCU before the Conditions of Use the termsyou andmust conditions of your Linked expiration of thecapture currentofVISA card. card You must Accounts, date including the VISA at anygive SCU reasonable time beforehand to arrange cancellation of the issue EFT Terminal. of a replacement VISA card. c. SCU may, at any time, cancel the VISA card for any reason 6 • SCU Visa Debit Card Conditions of Use by giving you 30 Days written notice. The notice does not have 14. CANCELLATION AND RETURN OF THE VISA CARD 13.

of a replacement VISA card. 14.

CANCELLATION AND RETURN OF THE VISA CARD a.

The VISA card always remains the property of SCU.

b. g.

SCU can immediately cancel the VISA card and demand its You must return VISA card and any issued to return at any timeyour for security reasons or VISA if youcard breach these your Nominee to SCU when: Conditions of Use or the terms and conditions of your Linked Accounts, including capture of the VISA card (1) SCU noties you that it has cancelled theat any EFT VISA Terminal. card;

c. c.

You may cancel your VISA card any VISA card issued to your SCU may, at any time, cancel theorVISA card for any reason (2) you close your Linked Account(s); Nominee at any givingnotice. SCU written notice. by giving you 30 time Daysby written The notice does not have

(3)you you cease to be athe member of SCU; to specify the reasons for the cancellation. d. If card issued to you, any VISA or SCU cancel VISA

will also becard cancelled. d. You card issued to your (4) may you cancel your VISA any VISA issued to to your cancel yourNominee(s) VISAcard, card or any VISA card issued your Nominee, both; anyortime byorgiving SCU written e. Nominee beatliable for any transactions you ornotice. your Nominee You will make using the VISA card before the VISA card is cancelled (5)youyou alter the authorities governing the to use of your Linked e. If or SCU cancel the VISA card issued you, any VISA but which are not posted to your Linked Account until after unless SCU agrees otherwise. card Account(s) issued to your Nominee(s) will also be cancelled. cancellation of the VISA card. 15.

f. You will be liable for any transactions you or your Nominee USE AFTER CANCELLATION OR EXPIRY OF THE VISA CARD make using the VISA card before the VISA card is cancelled are use not posted to card your or Linked until after a. but Youwhich must not the VISA allowAccount your Nominee to use cancellation of the VISA card. the VISA card: (1) before the valid date or after the expiration date shown on the face of the VISA card; or (2) after the VISA card has been cancelled. b.

16.

You will continue to be liable to reimburse SCU for any indebtedness incurred through such use whether or not you have closed your Linked Account(s) at SCU.

YOUR LIABILITY IN CASE THE VISA CARD IS LOST OR STOLEN

6 • SCU Visa Card Conditions of Use ORDebit IN CASE OF UNAUTHORISED USE

a.

You are liable for all losses caused by unauthorised EFT Transactions unless any of the circumstances specied in paragraph b below apply. sa DEBIT Conditions (Aug12) with changes.indd 7 b.

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You are not liable for losses: (1) where it is clear that you and your Nominee have not contributed to the loss; (2) that are caused by the fraudulent or negligent conduct of employees or agents of: • • •

SCU; any organisation involved in the provision of the EFT System; or any Merchant;

relating to a forged, faulty, expired or cancelled VISA card or PIN; (3) that are caused by the same transaction being incorrectly debited more than once to the same account; (4) that would exceed the amount of your liability to SCU had SCU exercised its rights (if any) under the VISA Worldwide Rules and Regulations against other parties to those rules and regulations; or

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(5) (5) resulting resulting from from unauthorised unauthorised use use of of the the VISA VISA card card or or PIN: PIN: A) A)

in in relation relation to to an an EFT EFT Transaction Transaction which which does does not not require require a a PIN PIN authorisation, authorisation, before before receipt receipt of of the the VISA VISA card; card;

B) B)

in in relation relation to to an an EFT EFT Transaction Transaction which which requires requires PIN PIN authorisation, authorisation, before before receipt receipt of of the the PIN; PIN; or or

C) cation to notication C) in in either either case, case, after after noti to SCU SCU in in accordance accordance with with clause clause 17 17 that that the the VISA VISA card card is is being being used used without without authority, authority, that that itit has has been been lost lost or or stolen, stolen, or or that that PIN PIN security security has has been been breached. breached. c. c.

You will will be be liable liable for for any any loss loss of of funds funds arising arising from from any any unauthorised unauthorised EFT EFT Transaction using the VISA card or PIN if the loss noti cation to loss occurs occurs before before notication notication to SCU SCU or or the the Lost/Stolen Lost/Stolen Card Card Hotline Hotline that that the the VISA VISA card card has has been been misused, misused, lost lost or or stolen stolen or or the the PIN PIN has has become become known known to to someone someone else else and and ifif SCU SCU proves, proves, on on the the balance balance of of probabilities, probabilities, that that you you or or your your Nominee Nominee contributed contributed to to the the loss loss through: through: (1) fraud, failure to look after and keep the PIN secure in accordance with clauses 4(b), (c) and (d), or extreme carelessness in failing to protect the security of the PIN; or (2) unreasonably delaying in in notifying notifying SCU SCU or or the the Lost/Stolen Lost/Stolen Card Card Hotline Hotline of of the the misuse, misuse, loss loss or or theft theft of of the the VISA VISA card card or or of of the the PIN PIN becoming becoming known known to to someone someone else else and and the the loss loss occurs occurs between between the the time time you you or or your your Nominee Nominee did, did, or or reasonably reasonably should should have, have, become become aware aware of of these these matters matters and and the the time time of of notication notication to to SCU SCU or or the the Lost/Stolen Lost/Stolen Card Card Hotline. Hotline. However, you will not be liable liable for: for: the portion of the loss that exceeds any applicable daily or (A) the periodic transaction limits limits on on your your Linked Linked Account(s); Account(s); the portion portion of of the the loss (B) the loss on on any any Linked Linked Account Account which which exceeds the balance of of that that Linked Linked Account Account (including (including any any prearranged credit); or or all losses incurred on (C) all on any any account account which which you you had had not not agreed with SCU could be accessed using the VISA card and PIN. PIN. and

d.

toloss perform thefrom unauthorised Where a PIN was (D) A holder is notrequired liable forto arising an unauthorised perform the unauthorised and clause clause 16(c) does not your liability for any any transaction transaction made using identifier only.your When a transaction and 16(c) an does not apply, apply, liability for of arising from unauthorised the be made using device, but doestransaction not requireusing a pass loss can of funds funds arising fromaan an unauthorised transaction using the a holder is liable only for to transactions card, ifif the loss before notication SCU VISAcode, card, (pay thewave) loss occurs occurs before notication to SCU or or the thethat occur because they unreasonably delayed the loss Lost/Stolen Card Hotline that the VISA card has reporting been misused, lost or theft of the A holder is liable for losseselse, arising from or PIN has known to is or stolen stolen or the the PINdevice. has become become known to someone someone else, is the the unauthorised transactions that occur because a user left lesser of: their card in an ATM. However, this only applies if the ATM $150; reasonable safety standards that mitigate the (i) incorporated $150; risk of a card being left in the ATM, such as SCU or (ii) • thecapturing actual loss at the time notication to SCU or the the Lost/ Lost/ cards that areofnot removed to after a reasonable Stolen Card Hotline Hotline of of the the misuse, misuse, loss loss or or theft theft of of the the VISA VISA timeCard card, or of of the the PIN becoming becoming known to someone someone else (except card, or PIN known to else (except • requiring a user to swipe then remove a card in order to loss thatcommence portion of the a transaction. loss that that exceeds exceeds any any daily daily or or periodic periodic transaction limits applicable to the use of your VISA card or your Linked Account); or

8 •• SCU SCU Visa Debit Card Conditions of Use 8 8 SCU Visa Visa Debit Debit Card Card Conditions Conditions of of Use Use

agreed with SCU could be accessed using the VISA card and PIN. d.

Where a PIN was required to perform the unauthorised transaction and clause 16(c) does not apply, your liability for any loss of funds arising from an unauthorised transaction using the VISA card, if the loss occurs before notication notication to SCU or the Lost/Stolen Card Hotline that the VISA card has been misused, lost or stolen or the PIN has become known to someone else, is the lesser of: (i)

$150;

(ii) the actual loss at the time of noti cation to SCU or the Lost/ notication Stolen Card Hotline of the misuse, loss or theft of the VISA card, or of the PIN becoming known to someone else (except that portion of the loss that exceeds any daily or periodic transaction limits applicable to the use of your VISA card or your Linked Account); or (iii) (iii) the the balance balance of of your your Linked Linked Account, Account, including including any any prearranged credit. credit. prearranged e. e.

If, in If, in cases cases not not involving involving EFT EFT Transactions, Transactions, the the VISA VISA card card or or

PIN are are used without without authority, you PIN you are are liable liable for for that that use use before before 8 • SCU Visa Debit Cardused Conditions of authority, Use notication to to SCU SCU or or the the Lost/Stolen Lost/Stolen Card Card Hotline Hotline of of the the notication unauthorised use, unauthorised use, up up to to your your current current daily daily withdrawal withdrawal limit. limit.

f. f.

Notwithstanding any any of of the Notwithstanding the above above provisions, provisions, your your liability liability will will

sa DEBIT Conditions (Aug12) with changes.indd not your not exceed exceed your liability liability 9under under the the provisions provisions of of the the ePayments ePayments8/01/13 2:

Code Code of of Conduct, Conduct, where where that that code code applies. applies.

17. 17.

HOW HOW TO TO REPORT REPORT LOSS, LOSS, THEFT THEFT OR OR UNAUTHORISED UNAUTHORISED USE USE OF OF THE THE VISA VISA CARD CARD OR OR PIN PIN a. a.

If If you you or or your your Nominee Nominee believe believe the the VISA VISA card card has has been been misused, misused, lost lost or or stolen stolen or or the the PIN PIN has has become become known known to to someone someone else, else, you you or or your your Nominee Nominee must must immediately immediately contact contact SCU SCU (if (if during during business business hours) hours) or or the the Lost/Stolen Lost/Stolen Card Card Hotline Hotline at at any any time time on on its its emergency emergency number number detailed detailed below. below.

b. b.

The The Lost/Stolen Lost/Stolen Card Card Hotline Hotline or or SCU SCU will will acknowledge acknowledge the the notification by notification by giving giving a a reference reference number. number. Please Please retain retain this this number number as as evidence evidence of of the the date date and and time time of of contacting contacting SCU SCU or or the the Lost/Stolen Lost/Stolen Card Card Hotline. Hotline.

c. c.

When contacting contacting the the Lost/Stolen Lost/Stolen Card When Card Hotline, Hotline, you you or or your your Nominee Nominee should should conrm conrm the the loss loss or or theft theft as as soon soon as as possible possible at at SCU’s SCU’s of ofce. ce.

d. d.

The The Lost/Stolen Lost/Stolen Card Card Hotline Hotline is is available available 24 24 hours hours a a day, day, 7 7 days days a a week. week.

e. e.

If If the the Lost/Stolen Lost/Stolen Card Card Hotline Hotline is is not not operating operating at at the the time time notification notification is is attempted, attempted, the the loss, loss, theft theft or or unauthorised unauthorised use use must must be be reported reported to to SCU SCU as as soon soon as as possible possible during during business business hours. hours. SCU SCU will will be be liable liable for for any any losses losses arising arising because because the the Lost/Stolen Lost/Stolen Card Card Hotline Hotline is is not not operating operating at at the the time time of of attempted attempted noti notication, cation, provided provided that that the the loss, loss, theft theft or or unauthorised unauthorised use use is is reported reported to to SCU SCU as as soon soon as as possible possible during during business business hours. hours.

f. f.

If If the the loss, loss, theft theft or or misuse, misuse, occurs occurs OUTSIDE OUTSIDE AUSTRALIA AUSTRALIA you you or or your your Nominee Nominee must must notify notify an an organisation organisation displaying displaying the the VISA VISA sign sign and and also also then then conrm conrm the the loss, loss, theft theft or or misuse misuse of of the the card: card: (1) (1) with with SCU SCU by by telephone telephone or or priority priority paid paid mail mail as as soon soon as as possible; possible; or or (2) by by telephoning telephoning the the Lost/Stolen Lost/Stolen Card Card Hotline Hotline number number for for the the (2) country you you are are in, in, which which you you must must obtain obtain from from SCU SCU prior prior country to your your departure departure in in accordance accordance with with clause clause 6(f) 6(f) of of these these to

9

(2) by telephoning the Lost/Stolen Card Hotline number for the country you are in, which you must obtain from SCU prior to your departure in accordance with clause 6(f) of these Conditions of Use. LOST/STOLEN CARD HOTLINE 13 61 91 From Overseas +61 2 9678 2111 18.

STEPS YOU MUST TAKE TO RESOLVE ERRORS OR DISPUTED EFT TRANSACTIONS a.

If you believe an EFT Transaction is wrong or unauthorised or your periodical statement contains any instances of unauthorised use or errors, immediately notify SCU. Later, but as soon as you can, you must give SCU the following information: (1) your name, account number and VISA card number; (2) the error or the transaction you are unsure about; (3) a copy of the periodical statement in which the unauthorised transaction or error rst appeared; (4) an explanation, as clearly as you can, as to why you believe it is an unauthorised transaction or error, and (5) the dollar amount of the suspected error. If your complaint concerns the authorisation of a transaction, SCU may ask you or your Nominee to provide further information.

b.

SCU will investigate your complaint, and if it is unable to settle your complaint immediately to your and its satisfaction, it will advise you in writing of the procedures for further investigation and resolution and may request further relevant details from you.

c.

Within 21 Days of receipt from you of the details of your complaint SCU will: (1) complete its investigation and advise you in writing of the results of its investigation; or (2) advise you in writing that it requires further time to complete its investigation. SCU will complete its investigation within 45 Days of receiving your complaint, unless there are exceptional circumstances.

d.

If SCU is unable to resolve your complaint within 45 Days, it will let you know the reasons for the delay and provide you with monthly updates on the progress of the investigation and its likely resolution date, except where SCU is waiting for a response from you and you have been advised that SCU requires such a response.

e. If your haserror not been resolved within 120the Days of e. SCU complaint finds that an was made, it will make appropriate receipt of thetodetails of yourAccount complaint, SCU will resolve the adjustments your Linked including interest and complaint(ifinany) yourand favour. charges will advise you in writing of the amount of the adjustment. f. If SCU nds that an error was made, it will make the appropriate adjustments to your Linked Account including interest and charges (if any) and will advise you in writing of the amount of the adjustment. 10 • SCU Visa Debit Card Conditions of Use

g. f.

When SCU advises you of the outcome of its investigations, it will notify you in writing of the reasons for its decision by reference to these Terms and Conditions and the Electronic Funds Transfer Code of Conduct and advise you of any adjustments it has made to your Linked Account. If you are not satis ed with the decision, you may wish to take the matter satised further. You may, for instance, contact our appointed dispute resolution centre, which is the Financial Ombudsman Services Limited (FOS). The FOS contact details are: GPO Box 3A Melbourne VIC 3001 Toll Free Call: 1300 78 08 08 Website: www.fos.org.au

g. h.

If SCU decides that you are liable for all or any part of a loss arising out of unauthorised use of the VISA card or PIN, it will: (1) give you copies of any documents or other evidence it relied upon; and

g.

i. h.

19.

19.

(2) advise in writing or notof there was any When SCU you advises you ofwhether the outcome its investigations, or equipment atfor theitstime of the by it willsystem notify you in writing ofmalfunction the reasons decision relevant transaction. reference to these Terms and Conditions and the Electronic Funds Transfer Code of Conduct and advise you of any If SCU fails to carry out these procedures or causes adjustments it has made to your Linked Account. If you are not unreasonable delay in resolving your complaint, SCU may be satised with the decision, you may wish to take the matter liable for part or all of the amount of the disputed transaction further. You may, for instance, contact our appointed dispute where that failure or delay has prejudiced the outcome of the resolution centre, which is the Financial Ombudsman Services investigation. Limited (FOS). The FOS contact details are:

i. If we, our employees or agents do not comply with the ePayGPO Box 3AAND OTHER FEES TRANSACTION ments Code (when it applies) and this contributes to a decision Melbourne VIC 3001 aboutwill a complaint that is against you, or a delay in the resolution a. SCU advise you whether Toll Free Call: 1300 78 08 08 it charges a fee, and the amount of of thefee, complaint, we or an external dispute resolution scheme such for: Website: www.fos.org.au may decide that we must pay part or all of the amount of a anydecides transactions; disputed transaction as compensation. h. •If SCU that you are liable for all or any part of a loss •arising issuing VISA card or any or replacement out ofthe unauthorised use of additional the VISA card or PIN, it will: j. If weVISA resolve your complaint by exercising our rights under the cards; different operating rules applicable to the VISA card schemes, (1) give you copies of any documents or other evidence it • using the VISA card; limits may so, additional we will inform you in writing of those upon; andorIfany •time relied issuing the apply. PIN or replacement PIN; limits the andPIN; when you can reasonably expect a decision, •time using (2) we advise you in writing whether or not there was any and will suspend obligation • issuing account your statements; or to pay any amount which is system or equipment malfunction time of the related subject of your complaint or any credit at or the other charges relevant transaction. hastobeen resolved. that amount untilprovided your complaint b. to Any other service in relation the VISA card. SCU will also advise you whether it will debit any of your Linked i. If SCU fails to carry out these procedures or causes Accounts with Government charges, duties or taxes arising out unreasonable delay in resolving your complaint, SCU may be of any transaction. liable for partAND or allOTHER of the amount TRANSACTION FEES of the disputed transaction thatand failure or delay has prejudiced thethe outcome of the c. where The fees charges payable in respect of VISA card are a. SCU will advise you whether it charges a fee, and the amount of investigation. set out in the Fees & Charges Schedule. such fee, for: d. You may be charged an ATM withdrawal fee that is directly • any transactions; charged by the ATM operator and debited directly from your • issuing the VISA card or any additional or replacement account. You should carefully read notices displayed at ATMs as VISA cards; they may contain information about the possible imposition of • using the VISA card; fees by ATM operators. • issuing the PIN or any additional or replacement PIN; • using the PIN; • issuing account statements; or

b.

Any other service provided in relation to the VISA card. SCU will also advise you whether it will debit any of your Linked

11 11

• •

20.

using the PIN; issuing account statements; or

b.

Any other service provided in relation to the VISA card. SCU will also advise you whether it will debit any of your Linked Accounts with Government charges, duties or taxes arising out of any transaction.

c.

The fees and charges payable in respect of the VISA card are set out in the Fees & Charges Schedule.

d.

You may be charged an ATM withdrawal fee that is directly charged by the ATM operator and debited directly from your account. You should carefully read notices displayed at ATMs as they may contain information about the possible imposition of fees by ATM operators.

Closure of the Account and Cancellation of the Card by Us

20.1 We reserve the right to close the account or card at any time. (A) We may close the account at any time without prior notice if : i. we believe that use of a card or the account may cause a 11 loss to you or to SCU or where required for security or credit risk purposes; ii. the credit limit has been exceeded, unless you are in default

sa DEBIT Conditions (Aug12) 12 given you notice to that effect. (Note 8/01/13 2: orwith we changes.indd have previously

that we may elect not to close the account for this reason but the fact that we have elected not to do so on one or more previous occasions does not stop us from closing it whenever the account has been overdrawn.) 20.2 If the account is closed, all cards issued in relation to the account will be cancelled. 20.3 We will not cancel any individual card without good reason but we may cancel a card at any time without prior notice if we believe that use of the card may cause loss to you or us or where required for security or credit risk purposes. 21.

Closure of the Account and Cancellation of the Card by You

21.1 You may close the account at any time by making a written request to us. If the account is closed, all cards issued in relation to the account will be cancelled. 21.2 You may request in writing, to cancel the card of an additional cardholder. 21.3 Written requests should be mailed to the postal address of Sydney Credit Union Ltd. as set out in your statement of account. 22.

When the Account is Closed or a Card is Cancelled

22.1 When we cancel a card, including when you request it: - the card must not be used. 22.2 If the account is closed, including when you request it: - all cards must not be used;

12 • SCU Visa Debit Card Conditions of Use

- your obligations will be to pay us the total amount you owe us (including amounts which you become liable to pay which are not yet debited to the account); and - you should cancel all periodic debit authorities which apply to the account. 22.3 If the account has a positive (credit) balance when it is closed, we will send you a cheque for that balance (unless those funds have been remitted as unclaimed money in accordance with the law) or deposit the funds into any of your accounts with us.

23. 23. 23.

24. 24. 24.

25. 25. 25.

EXCLUSIONS EXCLUSIONS OF OF WARRANTIES WARRANTIES AND AND REPRESENTATIONS REPRESENTATIONS EXCLUSIONS OF WARRANTIES AND REPRESENTATIONS a. SCU SCU does does not not warrant warrant that that Merchants Merchants displaying a. displaying VISA VISA signs signs a. or SCU does not warrant signs promotional materialthat will Merchants accept VISA in payment or promotional material will accept the the displaying VISA card card VISA in payment or promotional material will VISAenquire card in beforehand payment for goods and and services. services. Youaccept shouldthe always enquire beforehand for goods You should always for goods and services. You should always enquire beforehand before selecting goods or services. before selecting goods or services. before selecting goods or services. b. SCU SCU does does not not accept accept any any responsibility should a a Merchant, Merchant, b. responsibility should b. bank SCU does notinstitution accept any responsibility Merchant, bank or other other displaying VISAshould signs or ora promotional promotional or institution displaying VISA signs bank or other institution displaying signscard. or promotional material, refuse to accept accept or honour the card. material, refuse to or honourVISA the VISA VISA material, to accept honour the VISA card. SCU does doesrefuse not warrant warrant thatorEFT EFT Terminals displaying SCU not that Terminals displaying SCU warrant thatmaterial EFT Terminals displaying VISA does signsnot or promotional promotional material will accept accept the VISA VISA card. card. VISA signs or will the VISA signs or promotional material will accept the VISA card. c. SCU SCU is is not not responsible responsible for for any any defects defects in in the the goods goods c. c. and SCUservices is not responsible foryou anythrough defectsthe in the and acquired use of services acquired by by you through the usegoods of the the VISA VISA card. card. and acquired you through the use of about the VISA card. You acknowledge and accept that these You services acknowledge and by accept that all all complaints complaints about these You acknowledge and accept that all complaints about or these goods and must be to goods and services services must be addressed addressed to the the supplier supplier or goods andof must and be addressed Merchant those services. Merchant ofservices those goods goods and services. to the supplier or Merchant of those goods and services. d. Where Where you you have have authorised authorised a a Merchant Merchant to to transact transact on on the the account account d. by providing yourauthorised Visa card card number number or used used your card card to make a d. by Where you have a Merchant to transact on to themake account providing your Visa or your a purchase you may be card entitled to reverse reverse (chargeback) the by providing your Visa number or used your card tothe make a purchase you may be entitled to (chargeback) transactionyou where you have a dispute dispute with(chargeback) the Merchant. Merchant. For purchase mayyou be have entitled to reverse the transaction where a with the For example you you may be be entitled to reverse a transaction transaction where the transaction where youentitled have ato dispute with the Merchant. Forthe example may reverse a where Merchantyou hasmay not provided provided you with the a goods or services services you paid example be entitled to with reverse transaction where thepaid Merchant has not you the goods or you for and and you you have tried to get getyou a refund refund from the merchant merchant and were Merchant has nottried provided with the goods or services youwere paid for have to a from the and unsuccessful. for and you have tried to get a refund from the merchant and were unsuccessful. Please note note SCU SCU is is not not able able to to reverse reverse (chargeback) (chargeback) direct direct debit debit unsuccessful. Please transactions set up upisusing using yourtodefault default deposit accountdirect number and Please note SCU not able reversedeposit (chargeback) debit transactions set your account number and branch number number (BSB). transactions set(BSB). up using your default deposit account number and branch To avoid avoid losing any any rights you you may may have have for for transactions transactions other other than than branch number (BSB). To losing rights unauthorised EFT Transactions you should: To avoid losing anyTransactions rights you may for transactions other than unauthorised EFT youhave should: •• tell 30 days date of unauthorised EFT should: tell us us within within 30 Transactions days after after the theyou date of the the statement statement which which shows the and • tell us within 30 days after shows the transaction; transaction; andthe date of the statement which •• shows provide us with we and providethe us transaction; with any any information information we ask ask for for to to support support your your request. request. contact SCU for more chargeback •Please provide us with any we askabout for to your support your request. Please contact SCU forinformation more information information about your chargeback rights. Please rights. contact SCU for more information about your chargeback rights. MALFUNCTION MALFUNCTION MALFUNCTION a. You for anyfor loss caused by suffer the failure of a. You will will not be be liable responsible any loss because a. You will not not be responsible for any loss you you suffer because system or equipment provided byloss any you party to a shared a. aan You will Terminal not be responsible for instruction any because EFT accepted an but failed to an EFT Terminal accepted an instruction butsuffer failed to complete complete electronic networkaccepted to complete an Electronic which an Terminal an instruction but Transaction failed to complete the transaction. theEFT transaction. has been accepted by the system or equipment in accordance the transaction. b. If EFT Terminal and you b. with If an anthe EFT Terminal malfunctions malfunctions and you or or your your Nominee Nominee instructions of you or your Nominee. b. Ifshould If aanuser EFT Terminal malfunctions or your Nominee have been aware that the EFT Terminal was unavailable should have been aware that theand EFTyou Terminal was unavailable b. should reasonably have been aware that a system or should been aware the Terminal was unavailable for use or SCU will be for for use have or malfunctioning, malfunctioning, SCU will only be responsible responsible for equipment provide by anythat party toEFT aonly shared electronic network for use or malfunctioning, SCU will only be responsible for correcting errors in your Linked Account and refunding to you correcting errorsor in malfunctioning, your Linked Account and refunding toto you was unavailable our liability in relation an correcting errors in your Linked refunding to you any charges or imposed on you as a result. Electronic Transaction will be limited any errors any charges or fees fees imposed onAccount you to ascorrecting aand result. any charges feesorimposed you ason a result. refunding anyorfees chargeson imposed you. REGULAR REGULAR PAYMENT PAYMENT ARRANGEMENTS ARRANGEMENTS REGULAR PAYMENT ARRANGEMENTS a. a. You You should should maintain maintain a a record record of of any any Regular Regular Payment Payment a. Arrangement You should maintain record of any into Regular Payment that entered with Merchant. Arrangement that you youa have have entered into with a a Merchant. Arrangement that you have entered into with a Merchant. b. b. To To change change or or cancel cancel any any Regular Regular Payment Payment Arrangement Arrangement you you b. should To change or cancel any Regular Payment Arrangement you contact the or at 15 to should contact the Merchant Merchant or SCU SCU at least least 15 days days prior prior to the the 13 should contact the Merchant or SCU at least 15 days prior to the

a.

You should maintain a record of any Regular Payment Arrangement that you have entered into with a Merchant.

b.

To change or cancel any Regular Payment Arrangement you should contact the Merchant or SCU at least 15 days prior to the next scheduled payment. If possible you should retain a copy of this change/cancellation request.

c.

Should your Card Details be changed (for example if your Visa Card was lost, stolen or expired and has been replaced) then you must request the Merchant to change the details of your existing Regular Payment Arrangement to ensure payments under that arrangement continue. If you fail to do so your Regular Payment Arrangement may not be honoured, or the Merchant may stop providing the goods and/or services.

d. d.

Should Should your your Visa Visa Card Card or or Linked Linked Account Account be be closed closed for for any any

reason, you should contact reason, you should immediately immediately contact the the Merchant Merchant to to change change 12 • SCU Visa Debit Card Conditions of Use

or as the or cancel cancel your your Regular Regular Payment Payment Arrangement, Arrangement, as the Merchant Merchant may providing the goods and/or services. may stop stop providing the or goods and/or services. d. Should your Visa Card Linked Account be closed for any d. Should Visa Card or Linkedcontact Accountthe beMerchant closed fortoany reason, your you should immediately change CHANGES TO CONDITIONS OF USE reason, you should immediately contact the Merchant to change 26. CHANGES TO CONDITIONS OF USE sa DEBIT26. Conditions (Aug12) with changes.indd 13 8/01/13 2: or cancel your Regular Payment Arrangement, as the Merchant or cancel your Regular Payment Arrangement, as the Merchant may providing the goods and/or services. CU reserves the to these Conditions a. S S CU stop reserves the right right to change change these Conditions of of Use Use from from a. may stop providing the goods and/or services. time time to to time, time, for for one one or or more more of of the the following following reasons: reasons: to comply comply with any any change change or anticipated anticipated change change in in any any relevant relevant 26. CHANGES TO CONDITIONS OF USE i.i. to with or 26. CHANGES CONDITIONS OF USE or law,TO code of practice, practice, guidance law, code of guidance or general general banking banking practice; practice; reserves thedecision right to change these Conditionsorofregulator; Use from a. ii. SCU to reflect of toreserves reflect any any decision of a a court, court, ombudsman ombudsman orofregulator; CU the right to change Conditions Use from a. ii. S time to time, for one or in more of thethese following reasons: iii. to a its or including iii. totoreflect reflect a change change in its systems systems or procedures, procedures, including for for time time, for one or more of the following reasons: i. to comply with any change or anticipated change in any relevant security reasons; reasons; i. security to comply with any change or anticipated change inpractice; any relevant law, code of practice, guidance or general banking iv. as as a code resultofof ofpractice, changedguidance circumstances (including by practice; adding iv. a result changed circumstances (including by adding law, general banking ii. to reflect any decision of a court,orombudsman or regulator; benefits or new features); benefits or new features); ii. to reflect any decision of systems a court, ombudsman or including regulator;for iii. to reflect a change in its or procedures, v. to to reflect respond proportionately to changes changes in the the cost costincluding of providing providing v. to respond proportionately to in of iii. a change in its systems or procedures, for security the VISA VISAreasons; card; or or the card; security reasons; iv. as a result of changed circumstances (including by adding vi. to make them clearer. vi. to make them clearer. iv. as a result changed circumstances (including by adding benefits or of new features); benefits or new features); b. SCU notify you writing 30 before towill respond proportionately changes in the costthe of providing b. v. SCU will notify you in in writing at attoleast least 30 Days Days before the v. to proportionately to changes in the cost of providing effective date of ifif itit will: therespond VISA or effective datecard; of change change will: the VISA card; or vi. to make them clearer. (1) or any (1) toimpose impose or increase increase any fees fees or or charges charges for for the the VISA VISA card card ;; vi. make them clearer. b. SCU will notify you in writing at least 30 Days before the (2) increase your liability for losses; or b. effective SCUincrease will date notifyyour in writing at least 30 (2) liability losses; or Days before the ofyou change if for it will: effective date of change if it will: (3) impose, remove or adjust daily or other periodic periodic transaction (3) impose, remove or adjust daily or other transaction (1) impose or increase any fees or charges for the VISA card ; (1) limits impose or increase or charges for PIN, the VISA ; limits applying to use of VISA your Linked applying to the theany usefees of the the VISA card, card, PIN, your card Linked (2) Account(s) increase your liability for losses; or Account(s) or or Electronic Electronic Equipment. Equipment. (2) increase your liability for losses; or (3) impose, remove adjust daily orno c. SCU SCU will notify notify you of ofor other changes noother laterperiodic than the thetransaction day c. will you other changes later than day (3) limits impose, remove daily other periodic transaction toor theadjust of the or VISA card, your the change changeapplying takes effect effect byuse advertisement in the PIN, national orLinked the takes by advertisement in the national limits applying to the useEquipment. of the VISA card, PIN, yourorLinked or Electronic localAccount(s) media, notice notice in a a newsletter newsletter or or statement statement of of account, account, or or local media, in Account(s) or Electronic Equipment. individual notice notice sent sent to to you. you. c. individual SCU will notify you of other changes no later than the day c. To SCU will notify youeffect of other changes later than the give dayoryou d. the permitted by we arenonot required the change takes bylaw, advertisement in the d. SCU isextent not obliged obliged to give give you advance notice an to immediate d. SCU is not to you advance notice ifif national an immediate the change takes effect by advertisement in the national or or advance notice of: local media, in a newsletter statement of account, change to the thenotice Conditions of Use Use is is or deemed necessary for the the change to Conditions of deemed necessary for local notice in to a newsletter or statement of limits account, or a) amedia, reduction or cancellation of daily VISA card for Elecindividual notice sent you. security of the EFT System or individual accounts. security ofnotice the EFT System individual accounts. purchases or individual sent to which you.or are tronic Transactions cash withdrawals, d. When SCUtransfers isthe notVISA obliged you advance noticebanking; an immediate using electronic and telephone or e. When the VISA cardto isgive used after notific ation ofifany any such e. card used after notific ccation of such d. b) SCU is not obliged toisthe give advance notice if an these immediate other changes to Conditions of Use, where changes change toyou the Conditions ofyou Use is deemed forcard the changes, you accept those changes and usenecessary of the the VISA VISA card changes, accept those changes and use of change to the of or Use is deemed necessary the of a immediately restore or maintain thefor security security of the Conditions EFT System individual accounts. shallare be required subject totothose those changes. shall be subject to changes. security of the EFT System or individual accounts. system or individual accounts. e. When the VISA card is used after notific cation of any such e. When the you VISA card is usedchanges after notific cation such card 27. PRIVACY AND CONFIDENTIALITY 27. PRIVACY AND CONFIDENTIALITY changes, accept those and use of of any the VISA changes, you accept those changes and use of the VISA card shall be subject to those changes. SCUshall collects personal information about you you or or your your Nominee Nominee for for SCU collects personal about be subject to information those changes. the purposes purposes of of providing providing its its products products and and services services to to you. you. SCU SCU the 27. PRIVACY AND CONFIDENTIALITY may disclose that personal information information to to others others in in order order to to execute execute may disclose that personal 27. PRIVACY AND CONFIDENTIALITY necessary for for the the any instructions, instructions, where where itit reasonably reasonably considers considers itit necessary any SCU collects personal information about you or your Nominee for provision of the the VISA card card or the the administration administration of your Linked for SCUpurposes collects personal information about or of your provision of or your Linked the of VISA providing its products andyou services toNominee you. SCU Account(s), orofifif providing is required required by law. law. and services to you. SCU the purposes itsinformation products Account(s), itit personal is by may discloseorthat to others in order to execute mayinstructions, disclose thatwhere personal information to othersitin order to execute necessary for about the any it reasonably You represent represent that, that, in in supplying supplying SCU SCU considers with personal personal information You with information for about the any instructions, where it reasonably considers itofnecessary provision of theyou VISA card or the administration Linked your Nominee, you have authority to do do so so and and will willyour inform them of of your Nominee, have authority to inform them provision of or theif VISA card or the administration of your Linked Account(s), it isclause. required by law. the contents contents of this the 14 • SCU Visa Debit Card of Use Account(s), orofConditions ifthis it isclause. required by law.

Account(s), or if it is required by law. You represent that, in supplying SCU with personal information about your Nominee, you have authority to do so and will inform them of the contents of this clause. You and your Nominee may have access to the personal information SCU holds about each of you at any time by asking SCU. For more details of how SCU handles personal information, refer to SCU’s Privacy Policy. 28.

Card Security Guidelines

28.1 The security of your debit card is very important. The following guidelines provide examples of security measures and will not determine your liability for any losses resulting from unauthorised 13 EFT transactions. Liability for such transactions will be determined in accordance with the Electronic Funds Transfer Code of Conduct. 28.2 Guidelines for ensuring the security of the card and PIN:

sa DEBIT Conditions (Aug12) with changes.indd 14

29.

8/01/13 2:

a)

sign the back of the card immediately upon receipt;

b)

destroy the card by cutting on the card number, card name, expiry date and the chip.

c)

do not let anyone else use the card;

d)

take reasonable steps to protect the card and PIN from loss, theft or unauthorised use;

e)

notify us immediately you become aware that a card has been lost or stolen, or a card, PIN or card details have been used by someone else without your authority;

f)

do not tell or show the PIN to another person or allow it to be seen by another person, including family and friends;

g)

if you change the PIN, do not select a PIN which represents your birth date or a recognisable part of your name. If you do use an obvious PIN such as a name or date you may be liable for any losses which occur as a result of unauthorised use of the PIN before notification to us that the PIN has been misused or has become known to someone else;

h)

do not record the PIN on the card or keep a record of the PIN on anything which is kept with or near the card unless reasonable steps have been taken to carefully disguise the PIN or to prevent unauthorised access to that record.

MISCELLANEOUS a.

You agree that you will promptly notify SCU of any change of address for the mailing of any notifications which SCU is required to send to you.

b.

SCU may send all statements and notices to you at your registered mailing address or email address as provided for in SCU’s records.

c.

If the VISA card is issued on a joint account, each party to that account is jointly and severally liable for all transactions on the VISA card.

Call 13 61 91 scu.net.au 15