Multi-currency Cash Passport Product Disclosure Statement

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Multi-currency Cash Passport™

Product Disclosure Statement

Multi-currency Cash Passport™

The secure and convenient prepaid travel money card.

What is a Multi-currency Cash Passport™ MasterCard® Prepaid Currency Card?

The Multi-currency Cash Passport is a prepaid, chip and PIN protected travel money card on

which you can load and reload multiple currencies. Use the card to withdraw local currency

at over 2.1 million MasterCard ATMs worldwide or pay for goods and services at over 35.9

million MasterCard locations worldwide.

 $0 commission when foreign currencies are loaded and reloaded with Australia Post

(exchange rates may include a service charge)

 No international ATM fee. (fees may be imposed by the ATM operator independently)

 No retail transaction fee. (fees may be imposed by certain merchants independently)

 Supported by 24/7 Global Emergency Assistance

 Free replacement card delivered if lost or stolen (delivery abroad subject to your

location and availability)

 Reload and manage your funds online

Organising your travel money has never been more convenient with the Multi-currency Cash

Passport available at over 3,200 Australia Post retail outlets and online at

www.auspost.com.au/cashpassport.

How to activate your Multi-currency Cash Passport

Before you can use your card, you must activate each card by following the easy activation

process below. All cards require separate activation.

Automated phone service

1. Phone 1800 098 231 and select 1 to speak in English;

2. When prompted, enter your 16 digit card number;

3. When prompted, enter the 2 digits of the day and month of your birth eg. 03 10 for

the 3

October;

4. Your card will then be activated and your PIN read back to you, which will be the

same as the PIN provided with the card.

Easy account management

Managing your Multi-currency Cash Passport Card is simple. You can check your balances,

allocate your funds across different currencies (fees apply - please see Fees and Limits

Table), view your recent transactions and more online after registering your Card on ‘My

Account’ at www.cashpassport.com.au/dashboard.

Convenience

• Purchase or reload your card with $0 commission either online at

www.auspost.com.au/cashpassport or by visiting one of the 3,200 participating

Australia Post retail outlets (exchange rates may include a service charge)

• Access local currency at any of the 2.1 million MasterCard ATMs worldwide with no

international ATM fee (fees may be imposed by the ATM operator independently)

• Accepted at over 35.9 million MasterCard locations worldwide with no retail transaction

fee (fees may be imposed by certain merchants independently)

• No bank account required

• Available to travellers of all ages with no over 18 restrictions

• Manage your account online with the ability to reload and reallocate multiple currencies

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Security and peace of mind

• Chip and PIN protected with worldwide acceptance

• Not linked to your personal bank account

• Secondary card available for free as back-up in case your primary card is lost or stolen

• Customer support available 24/7 all year round to assist with lost or stolen cards,

including emergency cash, and lost or stolen passport assistance

Control

• Lock in exchange rates by loading funds in foreign currencies and avoid fluctuations (the

prevailing exchange rate is locked in for the initial load value only, subsequent card

reloads will be processed at the then prevailing exchange rate on the day of the reload

transaction, and will be locked in at that rate)

• Control your spending and avoid unexpected bills when you return home

• Re-allocate funds as required on your holiday as you travel to different countries

• Reclaim unused funds upon your return (fee applies) or simply keep the funds for your

next trip overseas

Issuer

The issuer of the Multi-currency Cash Passport is Heritage Bank Limited ABN 32 087 652 024

AFSL/ACL 240984. Access Prepaid Australia Pty Ltd ABN 47 145 452 044 AFSL 386837 is the

distributor of the Multi-currency Cash Passport.

If you have a complaint about the Multi-currency Cash Passport, your complaint will be

covered by the dispute resolution system of Heritage Bank Limited. See page 12 and 13 for

the applicable dispute resolution procedures.

Using your Multi-currency Cash Passport

Applying

To apply for a Multi-currency Cash Passport, simply complete and present the enclosed

application form along with acceptable photo ID at a participating Australia Post retail

outlet or order online at www.auspost.com.au/cashpassport and pick up, with acceptable

photo ID, at your nominated Australia Post retail outlet.

Activating

You will need to activate each of your cards prior to use by phoning 1800 098 231 and

following the prompt.

Viewing your account online

You can view your balance and transaction history, update your contacts details and find

the nearest ATM by accessing www.cashpassport.com.au/dashboard. Simply enter your

username and password that were used when activating and follow the prompt.

Reloading your account with $0 commission on FX loads

You can immediately reload your card by visiting a participating Australia Post retail outlet

with your card Account Number and a valid photo ID. Alternatively you can reload via

www.auspost.com.au/cashpassport. Value loaded in-person will typically be available

generally within two business hours and value loaded online will typically be available

generally within two Australian business banking days (although in some circumstances this

may take longer).

Withdrawing the balance of your Card Fund

Multi-currency Cash Passports can be reused until the expiry date displayed on the front of

the card. To withdraw your Card Fund and have the entire remaining balance refunded to

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

your nominated Australian bank account go to www.auspost.com.au/cashpassport or visit

a participating Australia Post retail outlet with your card and a valid photo ID.

Acceptable forms of ID

• Passport

• Drivers Licence including learners permit

Note: Current original ID documents will need to be presented.

About this Product Disclosure Statement

This Product Disclosure Statement (“PDS”) has been prepared by Heritage Bank Limited

(formerly known as Heritage Building Society Limited), ABN 32 087 652 024, AFSL/ACL 240984

(“Issuer”) and is a legal document containing important information with respect to, and

Terms and Conditions applicable to, the Multi-currency Cash Passport MasterCard® Prepaid

Currency Card.

Refer to page 13 for the Issuer’s contact details. The information in the PDS will assist you to:

• decide if this product meets your needs

• compare this product with similar products

Please read this PDS carefully before deciding to purchase this product, then keep it for

future reference. This PDS is dated 23 March 2015.

Some important terms used in this PDS are defined in the Terms and Conditions, see clause

1.1 of the Terms and Conditions.

Updates relating to this PDS

Information in this PDS that is not materially adverse information is subject to change from

time-to-time. You may access this updated information via the internet at

www.auspost.com.au/cashpassport. Alternatively you may request a paper copy of this

information free of charge from Access by calling 1800 098 231. The information which the

Issuer will make available by way of these updates is subject to change from time-to-time.

See clause 18 of the Terms and Conditions for more information about changes to the Terms

and Conditions.

What is the Multi-currency Cash Passport MasterCard Prepaid Card?

This PDS relates to the Multi-currency Cash Passport MasterCard Prepaid Card (“Multi-

currency Cash Passport”) sold via Australia Post, which is a prepaid travel card that allows

you to obtain local currency from over 2.1 million MasterCard ATMs around the world, and to

pay directly for goods and services at millions of shops, restaurants, hotels and other

locations that accept MasterCard worldwide. The Card can also be used online at merchants

that accept MasterCard. There are multiple Currencies available on your Multi-currency Cash

Passport Card which you can manage online 24/7 via ‘My Account’ on

www.cashpassport.com.au/dashboard.

The Currencies available in respect of Multi-currency Cash Passport Card may vary from

time to time and not all Currencies may be available at all times. Before making a decision to

acquire the Card, please check with participating Australia Post retail outlets or on

www.auspost.com.au/cashpassport for details of the available Currencies. You will receive

a second Multi-currency Cash Passport Card free of charge whenever you purchase a Multi-

currency Cash Passport Card. This means if you lose one of your Cards you can continue

your trip without any inconvenience. You also have access to 24/7 Cash Passport Global

Assistance, which among other things, can arrange for emergency funds (up to the available

balance of your Card) to be sent to you.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

This PDS only relates to the MasterCard branded, chip and PIN protected Multi-currency

Cash Passport Card product sold via Australia Post. There are a number of other Cash

Passport products and you should obtain and review the PDS for the relevant product.

Distributor, Issuer and Seller of Product

Distributor – Access

Access Prepaid Australia Pty Ltd ABN 47 145 452 044, AFSL 386837 (“Access”) distributes the

product and supplies the processing services for the Card, including services and systems

necessary to issue, and process all transactions on, the Card. In particular, Access is

responsible for Card design, production, customer data, transaction processing and

customer service. Access holds an Australian Financial Services Licence (No. 386837)

authorising it to deal in certain classes of financial products including the Multi-currency

Cash Passport Card. Access is part of the MasterCard Group.

Issuer – Heritage Bank Limited

The Issuer, Heritage Bank Limited ABN 32 087 652 024, AFSL 240984 Australian Credit

Licence 240984, is an authorised deposit-taking institution holding an authority to carry on

banking business in Australia, and issues the Multi-currency Cash Passport Card under an

arrangement between it and Access. By purchasing this product you are entering into a

contractual relationship with the Issuer, not with Access. The Issuer holds an Australian

Financial Services Licence (No. 240984) authorising it to provide financial product advice for,

and deal in, certain classes of financial products including the Multi-currency Cash Passport

Card.

The Issuer has authorised Access to act as the Issuer’s agent for the purpose of providing the

distribution and processing services mentioned below.

Seller – Australia Post

Australian Postal Corporation ABN 28 864 970 579 (AR No 338646) (“Australia Post”) is an

authorised distributor of the Multi-currency Cash Passport and is an Authorised

Representative of Australia Post Services Pty Ltd ABN 67 002 599 340 (AFS Licence No.

457551).

Neither Australia Post nor its related bodies corporate are responsible for the Card.

Multi-currency Cash Passport Cards can be purchased, loaded with value and reloaded with

value at participating Australia Post retail outlets and online at

www.auspost.com.au/cashpassport and pay via BPAY®. Other reload channels may also be

made available to you from time to time, details of which will be published on

www.auspost.com.au/cashpassport.

Significant Features and Benefits of the Multi-currency Cash Passport Card

Note: This is a basic summary only. Please refer to the Terms and Conditions and the rest of

this PDS for more information.

Convenience

Your Multi-currency Cash Passport Card is a convenient way for you to take multiple

different Currencies in spending money overseas, enabling you to easily manage your money

while away from home. You can use it online or to pay directly for goods and services at

MasterCard merchants, or withdraw local currency from any ATM displaying the MasterCard

acceptance mark. With Multi-currency Cash Passport you do not need to worry about bank

opening hours or lengthy queues, you can access your funds instantly, at any time of the

day or night.

Multi-currency Cash Passport is for electronic use only and cannot be used for manual or

offline transactions. Your Multi-currency Cash Passport also enables you to manage your

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Card online at www.cashpassport.com.au/dashboard – from where you can conveniently

access your Card information at any time, including your Card balances, allocate your funds

across different Currencies, and check your transaction history. Paper statements are

available upon request although we reserve the right to impose a fee. There will be no charge

for electronic statements through www.cashpassport.com.au/dashboard. You can also

use this website to locate the nearest MasterCard ATM.

The Currencies available in respect of Multi-currency Cash Passport Card may vary from

time to time and not all Currencies may be available at all times. Before making a decision to

acquire the Card, please check with participating Australia Post retail outlets or on

www.auspost.com.au/cashpassport for details of the available Currencies.

Safety and Security

For additional security, your Multi-currency Cash Passport Card is chip and PIN protected

and has a signature panel on the reverse. If your Multi-currency Cash Passport is lost or

stolen, you have forgotten your PIN, or otherwise think your PIN’s security has been

breached, you can call our 24 hour Global Emergency Assistance helpline for immediate

assistance. You should call the appropriate number listed at

www.cashpassport.com.au/contact-us or as set out on the back of your Card.

Please note that ATM withdrawals will always require a PIN.

Easy to budget

A Multi-currency Cash Passport Card enables you to load both foreign currencies and

Australian Dollars onto the one Card. This means you can exchange your Australian Dollars

into one or more currencies you require before you travel. When travelling you then know

exactly how much you have to spend in the relevant currency.

As your Multi-currency Cash Passport Card is prepaid, you know exactly how much you are

spending when you are away from home. If you want to use your Card again, you can load

more funds onto it for your next trip. If you have money left on your Multi-currency Cash

Passport Card at the end of your travels, you can obtain a refund of your remaining balance

(an administration fee will apply – please see Fees and Limits Table).

Reloadable

Your Multi-currency Cash Passport Card can be reloaded as many times as you want during

the life of the Card within the applicable limits, so you can keep your Card for the next time

you travel.

We are constantly looking to provide new reload options and more convenient ways of

reloading. Please check online at www.auspost.com.au/cashpassport for details of any

additional reload methods made available from time-to-time.

Your Multi-currency Cash Passport Card can be reloaded at any participating Australia Post

retail outlet with your card Account Number and a valid photo ID. If you are travelling and

running short of money, you can load additional funds onto your card at

www.auspost.com.au/cashpassport or by using BPAY® as detailed below.

For BPAY® reloads:

Biller code: 184416

Reference no: Your 16 digit Cash Passport Card number

Online and BPAY® reloads will generally take two Australian business banking days to be

processed however may take longer if the payment is made after 2pm Australian Eastern

Standard Time.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

BPAY® reloads will be allocated to your current default reload Currency. The default reload

Currency will initially be AU$, however you can change your default BPAY® reload Currency

online via www.cashpassport.com.au/dashboard.

Please note that you can only have one default reload Currency at a time. If you send a

BPAY® reload and then change your default reload Currency before we receive your BPAY®

payment we will apply your reload to the Currency that is set as your default reload

Currency at the time we process your reload.

Where to buy your Multi-currency Cash Passport Card and contact details

The Multi-currency Cash Passport Card that this PDS relates to is distributed by Access via

Australia Post.

If you have any questions or need more information, please contact Access on 1800 098 231,

or refer to the website www.auspost.com.au/cashpassport. If your Card is lost or stolen, or

you require emergency assistance, please call the appropriate numbers listed at

www.cashpassport.com.au/contact-us or as displayed on the back of your Card.

For general enquiries concerning your Multi-currency Cash Passport Card, you can contact

Access by post at the following address:

Access Prepaid Australia Pty Limited,

Level 6, 165 Walker Street

North Sydney, NSW, 2060.

Or contact Access by phone on 1800 098 231.

Significant risks associated with the Multi-currency Cash Passport Card

Security: It is important that you safeguard your Card details, your PIN and any other

passwords, equipment or software required for your operation of your Multi-currency Cash

Passport Card. If you do not, then you may be liable for unauthorised transactions and other

amounts as explained further in the Terms and Conditions. You may also have other

liabilities, and our liability may be limited, as described in the Terms and Conditions. There is

a risk of unauthorised or mistaken transactions being made through the Multi-currency Cash

Passport Card.

In certain circumstances, the Issuer’s liability in respect of unauthorised or mistaken

transactions is limited, meaning that you may still be liable for the transaction.

In some circumstances the Issuer may not be liable for losses caused by equipment or

system failure (including consequential losses), meaning that you may still be liable for the

transaction and consequential losses.

The amount that may be withdrawn using a Multi-currency Cash Passport Card may be

limited by the ATM operator or merchant. In some cases, the way in which a point of sale

transaction is processed will depend upon the functionality of the equipment used.

Foreign exchange fluctuations: When a Multi-currency Cash Passport Card is loaded, it can

be loaded with multiple pre-determined Currencies

The Currencies available in respect of Multi-currency Cash Passport Card may vary from

time to time and not all Currencies may be available at all times. Before making a decision to

acquire the Card, please check with the selling location or on

www.auspost.com.au/cashpassport for details of the available Currencies. When a

Cardholder loads and/or allocates funds across multiple currencies, the Cardholder is

exposed to, and takes the risk of, foreign exchange fluctuations across these various

currencies.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

For instance, if a Cardholder loads their Card in US$ currency (at the prevailing rate on the

day - see clause 10 of the Terms and Conditions), then over time, the Australian dollar

equivalent of this US$ currency may be less than, or more than, the original Australian dollar

amount.

Service availability: In some circumstances, there is a risk that ATM or point of sale services

may not be available for a period of time. The Issuer and Access are dependent upon the

reliability and operational processes of technology and communications providers, with

respect to computer and telecommunications networks. While all parties seek to achieve

100% availability, process and service disruptions may occur periodically.

Card expiry: Each Multi-currency Cash Passport Card has an expiry date. The expiry date is

printed on the front of the Card. The Card cannot be used after it has expired. However, you

will still be able to obtain a refund of the Cash Passport Card Fund balance, less any

applicable fees.

Multiple Currencies - order of priority

As the Card is a multi-currency Card it is set up so that you can fully utilise your entire

balance to fund a transaction. This means that where you do not have funds available on the

Card in the Currency of the transaction, either because it is not one of the available

Currencies on the Card, or because you do not have a sufficient balance in the relevant

Currency, the Card will use your available Currency balances in the default order of priority.

The default order of priority is 1. AU$, 2. US$, 3. EU€, 4. GB£, 5. NZ$, 6. TH฿, 7. CA$, 8. HK$,9.

JP¥, 10. SG$. This means that the Card will first take funds from the relevant Currency

balance, i.e. if the transaction in question is in US$ the Card will first look to see if you have a

sufficient US$ balance and, if not, will then work its way through the balances in the above

order until the transaction amount is able to be satisfied. In this case a Currency Conversion

Fee will apply each time a Currency used to fund all or part of the transaction is different to

the transaction currency. Please see the Fees and Limits Table following for an explanation

of what foreign exchange fees apply in these scenarios.

Fees & Limits Table

The following fees and limits apply. Fees and limits are subject to variation in accordance

with the Terms and Conditions. Unless otherwise specified, all fees will be debited in AU$

Currency. If there are insufficient funds in AU$ Currency to pay such fees, then we will

automatically deduct funds from other Currencies in the following order of priority: AU$, US$,

EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$.

Fees

AU$ US$ EU€ GB£ NZ$ TH฿ CA$ HK$

JP¥ SG$

The Currencies available may vary from

time to time. Before you make a decision

to acquire the card, please check with

participating Australia Post retail outlets

or on

www.auspost.com.au/cashpassport for

details.

Initial Card fee and Distribution Outlet

reload fee

• Charged at the time of

purchase/Distribution Outlet reload

$0 commission is charged when a card is

loaded or reloaded with foreign currency

at Australia Post. (Exchange rates may

include a service charge.)

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Fees

AU$ US$ EU€ GB£ NZ$ TH฿ CA$ HK$

JP¥ SG$

A 1.1% of load fee will apply for AU$ loads.

For example, a load of AU$500 attracts a

fee of 1.1% (AU$500 x 1.1% = AU$5.50),

which will be charged at the time of load.

Replacement Card fee

FREE.

BPAY® reload fee

This fee is set and charged by Access as

1% of the reload amount.

For example, a reload of AU$500 attracts a

fee of 1% (AU$500 x 1% = AU$5), which will

be deducted from your reload. The amount

of your reload will therefore be AU$495.

Secondary Card fee

1 FREE provided at same time that your

initial card is provided to you.

International ATM withdrawal fee (i.e.

ATMs outside Australia)

FREE

(Fees may be imposed by the ATM

operator independently).

Domestic ATM withdrawal fee

• Charged when you use your Card to

make a withdrawal from ATMs in

Australia and you have AU$ Currency

on your Card (for more details refer

to clause 9.4 of the Terms and

Conditions). This will be charged at

the time of withdrawal.

2.95% of the amount withdrawn

For example, If you have AU$ funds on

your Card and withdraw AU$500 from an

ATM in Australia it will attract a fee of

AU$14.75 (AU$500x2.95%). Should you have

insufficient funds in AU$ Currency, we will

convert the equivalent sum of the

withdrawal and our Domestic ATM

withdrawal fee from your Card Passport

Card Fund to complete the transaction,

and in addition you will also be charged

the Currency Conversion Fee as set out

below. Should you only have foreign

Currency (i.e. a currency other than AU$)

available on your Card, you will only be

charged the Currency Conversion Fee.

Cash over the counter fee (where cash is

obtained over the counter)

AU$10.00 or currency equivalent.

Monthly inactivity fee

• Charged at the start of each month if

you have not made any transactions

on the Card in the previous 12

months.

AU$4.00 or currency equivalent per month

Unless your Card is used again, or

reloaded, this fee applies each month until

the Card is closed or the remaining Card

balance is less than the monthly inactivity

fee.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Fees

AU$ US$ EU€ GB£ NZ$ TH฿ CA$ HK$

JP¥ SG$

24/7 Cash Passport Global Emergency

Assistance

FREE.

Negative balance fee charged when a

negative balance arises on your Card

AU$20.00 or currency equivalent.

Cash Passport balance withdrawal fee

(for non-ATM withdrawals)

• Charged when you close your Card or

withdraw from your Card Fund. This

fee is set and charged by Access.

AU$10.00 or currency equivalent (or where

the residual balance of the Card Fund is

less than AU$10.00 or currency equivalent,

that Card Fund balance).

Currency to Currency foreign exchange

rate

• This is applied when you move your

funds from one Currency to another

Currency.

The then applicable retail foreign

exchange rate determined by us.

We will notify you of the rate that will

apply at the time you allocate your funds

from one Currency to another.

Currency Conversion Fee

• Applied when a purchase or ATM

withdrawal is conducted in a

currency either not loaded or

sufficient to complete the transaction

and the cost is allocated against the

Currency/ies used to fund the

transaction.

MasterCard® rate (“FX Rate”) plus a margin

of 5.95% of the transaction value.

The MasterCard rate is the exchange rate

determined by MasterCard to be their

wholesale rate or the government

mandated rate in effect on the day the

transaction is processed by MasterCard.

Important information about different transactions

A foreign exchange margin applies to the transaction amount if the Card is used for

withdrawals in any currency other than a currency available on the Card. The applicable

foreign exchange margin applied to the transaction amount is 5.95%.

Example of foreign exchange margin for a Card loaded with AU$ only:

Suppose you make a withdrawal from an ATM outside Australia (in Brazil) for Brazilian Real

BRL50.00 and the prevailing exchange rate, set by MasterCard, is BRL1.00 = AU$1.34. Before

the foreign exchange margin applies, this would equate to AU$67.00 (BRL50.00 x 1.34). After

the foreign exchange margin of AU$3.99 is applied (AU$67.00 x 5.95%), this would equate to

AU$70.99 (AU$67.00 + AU$3.99).

Where you do not have a balance in the currency of the transaction, your Card Fund will be

debited according to the default order of priority, which is as follows: AU$, US$, EU€, GB£,

NZ$, TH฿, CA$, HK$, JP¥, SG$. In addition, we will debit the balance of each Currency in this

order until the relevant transaction amount has been satisfied.

For example, suppose a purchase is made using your Card overseas for US$150.00, and you

have the following Card Fund balances - US$50, AU$0, EU€60, CA$100, then the following

application of funds will take place:

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Please refer to clause 10 of the Terms and Conditions for further details of how fees apply.

Important information about allocation of funds across different currencies “Currency to

Currency foreign exchange rate”

Currency

balance

before

transaction

Amount to

debit from

Card Fund

Running

purchase

balance

FX Rate

excluding

margin

FX Rate

including

margin

5.95%

Currency

balance

after

transaction

US$ 50.00

US$ -50.00

US$ 100.00

US$ 0.00

AU$ 0.00

US$ 100.00

AU$ 0.00

EU€ 60.00

EU€ -60.00

US$ 18.15

US$ 1:

0.6919 EU€

US$ 1:

0.7331 EU€

EU€ 0.00

CA$ 100.00

CA$ -18.88

US$0.00

US$ 1:

0.9815 CA$

US$ 1:

1.0399 CA$

CA$ 81.12

If you allocate funds from one currency to another currency, or where we do so in

accordance with the Terms and Conditions a foreign exchange conversion applies at the

then applicable retail foreign exchange rate determined by us. We will notify you of the rate

that will apply at the time you allocate your funds from one Currency to another.

Example of Currency to Currency foreign exchange rate for an allocation of funds to US$

from AU$:

Suppose you wish to allocate AU$500 to US$ and the prevailing exchange rate, set by us, is

AU$1 = US$ 1.09. This would equate to US$ 545.00 (AU$ 500 x 1.09). Please refer to clause 10

of the Terms and Conditions for full details of how Currency to Currency foreign exchange

rates apply.

The Currencies available may vary from time to time. Before you make a decision to acquire

the Card, please check with the Distribution Outlet or on

www.auspost.com.au/cashpassport for details.

Limits

AU$ US$ EU€ GB£ NZ$ TH฿

CA$ HK$ JP¥ SG$

Maximum number of Multi-currency Cards you

may hold in your name at any one time (not

including the linked Secondary Card provided to

you at the time of purchase).

One.

Minimum amount you can load/reload on your

Card per load/reload.

AU$100 or currency equivalent.

Maximum amount you can load/reload on your

Card per load/reload.

AU$100,000 or currency

equivalent.

Maximum BPAY® reload amount per day.

AU$25,000 or currency equivalent.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Limits

AU$ US$ EU€ GB£ NZ$ TH฿

CA$ HK$ JP¥ SG$

Maximum balance allowed across all currencies

during any 12 month period.

AU$100,000 or currency

equivalent.

Cash over the counter limit in any 24 hour period.

AU$350 or currency equivalent.

Maximum you can withdraw from ATMs in any 24

hour period (some ATM operators may set their

own withdrawal limits which may be lower than

this limit).

AU$3,000 or currency equivalent.

Maximum value of EFTPOS transactions during

any 24 hour period.

AU$15,000 or currency equivalent.

Maximum balance allowed at any one time across

all currencies.

AU$100,000 or currency

equivalent.

Other important information

Please read the following information about your Multi-currency Cash Passport Card

carefully:

• Your Multi-currency Cash Passport Card does not generate any interest or any other

similar return. You do not earn interest on the amount standing to the credit of the Multi-

currency Cash Passport Card Fund accessed by the Card.

• Although the issuer of the Card is an authorised deposit-taking institution in Australia,

the Card is not a deposit account with the Issuer.

Privacy Statement

Your Personal Information (important information about your privacy).

By purchasing the Card you consent to Access, the Issuer and Australia Post, “we, us, our”

collecting, using and disclosing your Personal Information under these Terms and Conditions.

The Issuer is required by anti-money laundering legislation to collect Personal Information to

identify and verify your identity. If you do not agree to our doing so then we cannot make the

Card facility available to you and you should not purchase the Card.

You must notify us immediately of any change to your address and other contact details by

accessing ‘My Account’ (via www.cashpassport.com.au/dashboard and typing the relevant

changes yourself or by contacting Access. You should also contact Access if you change

your name.

We will not be responsible if you do not receive any notice or correspondence that has been

sent in accordance with the contact details you have provided to us. You may be required to

provide information to Access, the Issuer, or Australia Post (including evidence of identity)

when purchasing the Card or adding additional funds to the Card.

Access and the Issuer will take all reasonable precautions to keep Personal Information

secure and protect it under their privacy policies. Your Personal Information may be

disclosed by Access, the Issuer or Australia Post to third parties to facilitate the provision of

the Card Services, to monitor compliance with these Terms and Conditions and for anti-

money laundering, detection of crime, legal compliance and fraud prevention purposes.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Access or the Issuer may also disclose Personal Information to collection agencies and

lawyers in the event that we seek to recover any money that you owe under these Terms

and Conditions. In addition, by successfully applying for a Multi-currency Cash Passport

Card, you are consenting to Access using your Personal Information to notify you of our

related products, promotions and customer surveys that we may conduct from time-to-time.

You can elect to not receive further notifications by emailing an “unsubscribe” message to us

at unsubscribe@accessprepaidww.com or by mail to;

Access Prepaid Australia Pty Limited,

Level 6, 165 Walker Street

North Sydney, NSW, 2060

Attention: Multi-currency Cash Passport

Or by telephone 1800 098 231.

Your Personal Information will be processed outside Australia but all service providers are

required to have adequate safeguards in place to protect your Personal Information. We will

continue to keep such of your Personal Information that is necessary after the expiry of the

Card or closure of your Multi-currency Cash Passport Card Fund on the same terms as are

set out above.

You are entitled to ask Access and the Issuer to supply you with any Personal Information

that we hold about you. You must submit your request in writing. We will delete any incorrect

information or correct any errors in any of your Personal Information that come to our notice.

To aid us in the provision of the services provided under these Terms and Conditions, in the

interests of security, and to help Access and the Issuer maintain and to improve their level of

service, all telephone calls may be recorded and / or monitored.

Queries

You should initially address any query relating to your Multi-currency Cash Passport Card to

Access by calling the appropriate phone number listed on the back of your Card. In no

circumstances should you direct any queries to MasterCard®.

Complaints

If you have a complaint, you can contact Access by:

• phone – call the appropriate phone number listed at

www.cashpassport.com.au/contact-us or on the back of your Card

• mail – write to:

Access Prepaid Australia Pty Limited,

Level 6, 165 Walker Street

North Sydney, NSW, 2060

Attention: Cash Passport Dispute Resolution

• email – write to: servicequality@accessprepaidww.com

We will handle all complaints according to our internal dispute resolution procedure (and the

ePayments Code, where the complaint relates to a transaction covered by the ePayments

Code).

Our dispute resolution procedure requires that we seek to resolve your complaint within 21

days, although it is not always possible to do so. If we are unable to resolve your complaint

to your satisfaction within 45 days, you may be eligible to escalate the complaint to the

Issuer’s external dispute resolution service. The period of 45 days may be extended in

exceptional circumstances or where the Issuer decides to resolve the complaint under the

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

rules of the MasterCard scheme. If you wish to escalate the complaint, please tell us and we

will facilitate the referral free of charge.

Our external dispute resolution service is:

Financial Ombudsman Service (FOS)

GPO Box 3

Melbourne, VIC, 3001

Ph: 1300 78 08 08

Fax: 03 9613 6399

Website: www.fos.org.au

Email: [email protected]g.au

In addition, you may contact the Issuer by:

• phone – call 13 14 22 (from within Australia) or

+61 7 4694 9000 (from outside Australia)

• mail – write to: Heritage Bank Limited,

PO Box 190, Toowoomba, QLD, 4350

• fax – write to fax number 07 4694 9782 (from within Australia)

or +61 7 4694 9782 (from outside Australia).

Australia Post can be contacted via:

• phone: 13 11 18

• mail: Australia Post, PO Box 24133, Melbourne, VIC 3001

Multi-currency Cash Passport Global Emergency Assistance

Emergency cash disbursement

Fulfilment locations:

• Moneygram Agents.

• Western Union Agents.

• Access approved agents.

You may receive emergency cash (up to the available balance on your Card) following the

loss or theft of your Card(s), within limits set by us from time-to-time, where applicable.

Once a Customer Service Representative has established that you have sufficient means of

payment (generally by means of funds available on your Card), Access will arrange for

emergency cash to be made available to you via a convenient Access authorised location.

You will be advised of the relevant address details, telephone number and opening hours of

the emergency cash pick up location as required.

Fulfilment: Twenty minutes for major destinations and within twenty-four hours elsewhere.

Charges: None.

Emergency medical assistance (this service is not intended as a substitute for travel

insurance)

You will have access to worldwide medical information and advice. A Customer Service

Representative will arrange for the following information to be provided. The information is

provided in good faith but without incurring liability and without giving any assurance as to

the quality of any advice or care which may be provided by the staff or facilities concerned:

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

• Medical Information

− Information of a specific nature, in relation to a hospital, doctor, dentist, or pharmacy

obtained through local consulate offices including:

− Location, address, telephone numbers and opening hours where appropriate,

including details of specific facilities, capabilities, medical specialties and languages

spoken.

− Information provided will be of a specific nature regarding the above, however not

relating to matters concerning your specific or general medical requirements.

• Medical Counselling Interpretation

For use in circumstances where either by your request or subsequent referral, the

services of a doctor are required for the provision of information, specific advice or

recommendations with regard to your individual medical requirements, and an English

speaking doctor is not available, interpretation (in accordance with the Emergency

Interpretation Service section detailed below) will be provided by telephone, between the

doctor and you. All information exchanged between the doctor and you will remain

confidential.

Should you hold medical insurance, and need a medical service, advice will be given of the

procedures to contact your insurers.

Charges: Where payment for treatment, consultation, facilities, and services is required, you

will be liable for costs.

Emergency legal referral

You will have access to the following information for most major locations worldwide. The

information is provided without giving any assurance as to the quality of any advice which

may be provided by the lawyers concerned. You will be directly liable for all costs incurred if

you consult a lawyer, however Emergency Cash (up to the available balance on your Card)

can be arranged, where applicable, if requested.

Information will be obtained through local consulate offices and will:

• Detail location, address, telephone numbers and opening hours. Information provided will

be of a specific nature regarding the above, however will not relate to matters

concerning your specific or general legal requirements.

• Not include recommendations.

Charges: None for the referral service. You will be directly liable for all costs incurred if you

consult a lawyer.

Lost or stolen passport assistance

Where your passport has been either lost or stolen, we can advise you of telephone numbers,

addresses and opening hours of the nearest consulate or embassy.

Charges: None.

Lost or stolen Card assistance

Assistance in reporting the loss or theft of credit Cards, charge Cards or debit Cards while

you are away. The Customer Service Representative will provide you with the relevant card

scheme contact telephone numbers to call and in extreme cases where you cannot make

contact with their card issuer, attempts will be made to report the loss on your behalf. No

responsibility is taken for ensuring that the card issuer acts upon this report. In particular,

the card issuer may require direct notification from you.

This service is not available in respect of store cards, loyalty cards, affinity group cards, or

other cards which are not general-purpose payment cards.

Charges: None.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Emergency interpretation service

Access to worldwide interpretation services by telephone. A verbal translation to or from

English and other common languages will be available in most circumstances using

customer communication centre staff. Should a language not be available, then

arrangements will be made for an approved third party service partner to interpret,

providing a call back facility if required.

Charges: The service will be free in the cases of genuine emergency (as determined by

Access) only.

The Emergency Interpretation Service is provided in good faith but no liability will be taken

for any misinterpretation.

Emergency messaging service

In the event of an emergency, access via telephone to multi lingual customer service

representatives, where a brief message can be arranged for delivery to a friend, relative or

organisation, by means of telephone, fax or Email. From an agreed time the customer

service representative will make up to six (6) attempts at approximately hourly intervals to

convey the message, informing you should this fail.

Charges: The service will be free in the cases of genuine emergency (as determined by

Access) only.

Service response

Each request for any service is dealt with according to your individual requirements or

circumstances and normally our customer services representatives will be able to deal with

any requests within 15 minutes although for the Interpretation Service this may be up to 30

minutes depending on the language required.

Disclaimer: While every effort will be made to ensure that all the information services

provide correct information, Access is reliant on many information sources some of which are

outside our control and Access cannot be held liable for the accuracy of these. Please also

refer to clause 12 of the Terms and Conditions contained in this PDS.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

TERMS AND CONDITIONS

1. Understanding these Terms and Conditions:

1.1. In these Terms and Conditions:

Access means Access Prepaid Australia Pty Limited ABN 47 145 452 044.

Account Number means the unique number that can be found on the Card used by Australia

Post to identify your Cash Passport Card Fund.

Activate and Activation refers to the activation of the Card to enable you to use the Card or

Secondary Card.

ATM means an automated teller machine.

AU$ means the lawful currency of Australia.

BPAY® means the “BPAY” electronic payments service through which you can add additional

funds to the Cash Passport Card Fund.

BPAY® Reload means loading additional funds onto the Card post sale through the BPAY®

service

CA$ means the lawful currency of Canada.

Card means the “Multi-currency Cash Passport™ MasterCard

Prepaid Currency Card” with

ATM access and EFTPOS functionality stated in the user guide accompanying this PDS

incorporating these Terms and Conditions and supplied to you. References to the Card

include (where consistent with the context) any Secondary Card, the Card details, Security

Details and PIN.

Card Services means any services provided by us (or by service providers on the Issuer’s or

Access’ behalf) in connection with the Card or Secondary Card. It includes Access’ interactive

voice response system (available in English) and call centre accessible using the Security

Details, available 24 hours a day on the telephone number or numbers provided from time-

to-time.

Cash Passport Card Fund or Card Fund means the aggregate of all Currency records

maintained by the Issuer (or by service providers on the Issuer’s behalf) of the funds loaded

onto your Card, in each Currency and available for transactions using the Card in that

Currency.

Cash Passport Global Emergency Assistance or Global Emergency Assistance means

those services set out at page 25 of this PDS.

Currency means, subject always to clause 3.1 below, any one or more of AU$, CA$, EU€, GB£,

HK$, JP¥, NZ$, SG$, TH฿, US$ and any additional currency that we may make available in

connection with the Card from time to time.

Currency Conversion Fee has the meaning set out in the Fees and Limits section of the user

guide accompanying this PDS.

Distribution Outlet means any Australia Post retail outlet which participates in the Cash

Passport Card programme from time-to-time by distributing Cards or accepting

loads/reloads.

EFTPOS means Electronic Funds Transfer at Point of Sale.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

ePayments Code means the ePayments Code issued by the Australian Securities and

Investments Commission in September 2011 (as amended from time to time) which regulates

consumer electronic payments.

EU€ means the lawful currency of Eurozone.

Fees and Limits Table means the fees and limits tables set out on pages 7, 8, 9, 10 and 11 of

this PDS.

GB£ means the lawful currency of Great Britain.

GST means any form of goods and service tax or other value added tax and, without

limitation, includes GST as defined in the A New Tax System (Goods and Service Tax) Act 1999

(Cth).

HK$ means the lawful currency of Hong Kong.

Identifier means information that you know but are not required to keep secret and which

you must provide to perform a transaction (for example, a card number).

Issuer means Heritage Bank Limited ABN 32 087 652 024 AFSL/ACL 240984, which is the

issuer of the Card.

JP¥ means the lawful currency of Japan.

My Account means the internet site at www.cashpassport.com.au/dashboard which gives

access to information about the Cash Passport Card Fund using the Security Details (or any

other internet site we notify to you in replacement).

Negative Balance occurs in certain circumstances when your Card Fund is overdrawn. (For

certain EFTPOS transactions, merchants are allowed to process low value transactions

without authorising the transaction through MasterCard®. For example, if you had AU$30

remaining on your Card but made an AU$50 transaction at a merchant who didn’t authorise

the transaction, you would have an AU$20 Negative Balance. You are liable for any Negative

Balance.)

NZ$ means the lawful currency of New Zealand.

Online means electronic loading and reloading methods for Cards and includes, but is not

limited to BPAY®. Access may make other forms of loading and reloading available from

time-to-time and these methods will be published at www.auspost.com.au/cashpassport.

Personal Information is the information that the Issuer and Access and their respective

agents collect from you, including any application form, correspondence, emails, telephone

calls, internet communications and transactional information, in connection with the Card.

PIN means the personal identification number used to access the Card Services.

PDS means Product Disclosure Statement.

Secondary Card means an additional “Multi-currency Cash Passport MasterCard Prepaid

Currency Card” (or any replacement) which accesses the Cash Passport Card Fund.

Security Details means the information given by you when applying for the Card (or for a

Secondary Card) or during Activation, for the purposes of verifying your identity, or any

changes made to this information.

Security Requirements means the Security Requirements described under clause 13 “Card

Security”.

SG$ means the lawful currency of Singapore.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

SMS means the Short Messaging Service provided by your mobile phone service provider.

TH฿ means the lawful currency of Thailand.

Unauthorised Transaction means a transaction not authorised by you, but does not include

any transaction carried out by you or by anyone performing the transaction with your

knowledge and consent.

US$ means the lawful currency of United States of America.

we, us, our means the Issuer and, except where the context indicates a different intention,

also includes any agent acting on behalf of the Issuer.

you, your means the purchaser of the Card.

1.2. All amounts of money specified in these Terms and Conditions are in Australian dollars

(unless otherwise specified).

1.3. References to days, times or periods of time in these Terms and Conditions are

reckoned according to Australian Eastern Standard Time.

2. Introduction

2.1. These Terms and Conditions govern the use of the Card and any Secondary Card.

2.2. You agree to these Terms and Conditions by any of the following actions: signing the

back of a Card; using a Card; authorising a Secondary Card to be issued or activating

a Card (but these are not the only ways that you can be taken to have agreed to be

bound by these Terms and Conditions).

2.3. The Issuer is a subscriber to the ePayments Code and warrants that it will comply with

the ePayments Code in its dealings with you relating to the Card and the Cash

Passport Card Fund.

3. Issuing of Cards

3.1. The Currencies available in respect of the Card may vary from time to time. Before you

make a decision to acquire the Card, please check with the Distribution Outlet or on

www.auspost.com.au/cashpassport for details of the available Currencies. If we

introduce a new Currency and you choose to allocate funds to that new Currency, you

will be deemed to have acknowledged and agreed that, unless otherwise notified to

you, these Terms and Conditions apply to such new Currency.

3.2. Subject to clause 5.8, you are responsible for determining the amount held for each

Currency and for ensuring you have sufficient funds for all transactions in the relevant

Currency. Subject to certain limits and subject to a fee (refer to the Fees and Limits

Table), you may allocate your funds across different Currencies via

www.cashpassport.com.au/dashboard and/or by such add additional methods as we

may make available to you from time to time. If you experience any difficulties in

allocating amounts via www.cashpassport.com.au/dashboard then you may be able

to allocate amounts via a Distribution Outlet or by telephone through Card Services.

3.3. You should memorise the PIN to prevent unauthorised use of the Card. You must also

follow the rules on Card security (See clause 13 below)

3.4. The Card (and any Secondary Card) is the Issuer’s property. The Issuer may suspend

use of the Card (and any Secondary Card) and/or ask that you return the Card (and

any Secondary Card) if the Issuer believes there is a good reason to do so (See clause

17.2 below). You must ensure that the Card (and any Secondary Card) is promptly

returned to the Issuer if it asks you to do so.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

3.5. The Card is not a credit card and, subject to the Cash Passport Card Fund becoming

overdrawn, all use is limited to the amount pre-loaded and standing to the credit of the

Cash Passport Card Fund and any other limits referred to in these Terms and

Conditions.

3.6. There is no interest payable to you on the credit balance of the Cash Passport Card

Fund.

3.7. Amounts can be added to the Cash Passport Card Fund only as specifically provided in

these Terms and Conditions.

3.8. The Cash Passport Card Fund does not amount to a deposit with the Issuer and the

amount standing to the credit of the Cash Passport Card Fund does not count as an

amount or deposit for any purpose, other than as described in these Terms and

Conditions.

3.9. The issuance of a Card is subject to you satisfying the relevant application criteria, as

determined by us from time to time in order to meet customer identification and know

your customer requirements set by law, including by providing us with sufficient

information and proof in relation to your identity. We may at our discretion limit

application criteria to drivers licence and/or passport holders of particular countries or

by reference to particular types of identification at our sole discretion if we believe this

is necessary for know your customer or due diligence purposes.

3.10. In certain circumstances we may also ask you to provide us with additional details,

including but not limited to your source of funds. We may ask you to provide additional

information in relation to your identity and/or source of funds at any time during the

life of this Agreement.

3.11. We reserve the right to refuse an application at our sole discretion on any lawful

grounds, including but not limited to where we are unable to satisfy ourselves as to

your identity or where your profile is inconsistent with our customer profile for the Card.

3.12. You must provide all information to us which we reasonably require in order to manage

anti-money laundering or counter-terrorism financing and economic and trade

sanctions risks or to comply with any laws or regulations in Australia or any other

country.

4. Activation and expiry

4.1. The Card and any Secondary Card is activated by contacting 1800 098 231 and

generally ready to use within two (2) business hours of activation unless such other

period is notified by the Distribution Outlet at the time of purchase.

4.2. The expiry date is printed on the front of the Card.

4.3. The Card cannot be used after it has expired. However, you will still be able to obtain a

refund of the Cash Passport Card Fund balance, less any applicable fees (refer to Fees

and Limits Table and see clause 11 below).

5. Use of the Card

5.1. The Card (and any Secondary Card) may, subject to any applicable fee, be used to

withdraw cash from an ATM displaying the MasterCard®, Maestro® or Cirrus®

Acceptance Mark and / or to pay for goods and services at merchants, or online, who

accept MasterCard® cards electronically. Please note that the Card is for electronic use

only and cannot be used for manual or offline transactions. In addition, the Card must

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

not be used for any unlawful activity. You agree to never give your Card, Secondary

Card or PIN to another person.

5.2. You may also be able to obtain cash over the counter through a financial institution,

such as banks or bureaux de change, subject to a fee. Please see the Fees and Limits

Table for details.

5.3. When a Card is used to purchase fuel at an automated fuel pump the Cash Passport

Card Fund must have a minimum credit of AU$80 (or foreign currency equivalent). In

addition, to make a telephone call there must be a minimum of AU$11 (or foreign

currency equivalent). If you spend less than these minimum amounts any unused

balance may be temporarily unavailable.

5.4. When a Card is used at bars or restaurants an additional percentage (usually, but not

necessarily, 20%) may be automatically added as an anticipated service charge or tip

and debited to the Cash Passport Card Fund. If your actual service charge or tip is less,

any unused balance may be temporarily unavailable.

5.5. Certain businesses may not accept the Card as a means of pre-authorising

expenditure. If the Card is used for this purpose, some businesses (such as hotels,

cruise lines and car rental companies) may pre-authorise the estimated amount of the

final bill and this amount will temporarily be unavailable. Only the actual amount of the

final bill will be deducted from the Cash Passport Card Fund.

5.6. When a Card is used to purchase goods for delivery by mail or online an additional 10%

may be automatically added as an anticipated delivery charge. If the actual delivery

charge is less, any unused difference may be temporarily unavailable.

5.7. Subject to the application of clauses 5.8 and 10.4, the applicable Currency balance

(and therefore the total Cash Passport Card Fund) will be debited with the amount of

each cash withdrawal or transaction and any fee and these debits will reduce the

balance of the applicable Currency (and therefore the total Cash Passport Card Fund).

Each transaction will require authorisation or validation before completion.

5.8. If there are insufficient funds in a particular Currency to pay for a transaction, the

balance of the transaction will be automatically processed using other Currencies in

the following order of priority: AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$. If

following the use of the available balances of all Currencies there are still insufficient

funds to pay for a transaction, the Card may be declined or the retailer may allow you

to pay the balance by some other means. If we add any new currencies to the

Currencies available to you in connection with the Card, then we will notify you of the

new order of priority for the purposes of this clause 5.8 either directly or through ‘My

Account’ and/or www.cashpassport.com.au/dashboard.

5.9. You agree to accept a credit to your Card in the applicable Currency if you are entitled

to a refund or other credit for any reason for goods or services purchased using the

Card.

5.10. A transaction or payment cannot be stopped once you authorise the use of the Card

(or Secondary Card).

5.11. The ATMs and point of sale terminals are not owned or operated by the Issuer or

Access and the Issuer and Access are not responsible for ensuring that they will accept

the Card.

5.12. You must comply with all laws and regulations (including any foreign exchange

controls) in respect of the Card in the country of purchase and/or use.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

5.13. By successfully applying for and using the Card you acknowledge and consent that we

do not provide and you will not receive paper statements. Electronic statements

showing the Card’s transactions and Cash Passport Card Fund balance are available

for viewing and printing from ‘My Account’.

5.14. If a person reports that a mistaken payment has been made from the person’s

account to your Card, you agree that:

a) we may inform that person’s financial institution whether or not your Card has

sufficient credit funds to cover the mistaken payment; and

b) freeze those funds, or debit those funds from your Card where we are required to

do so under the ePayments Code.

5.15. Where required by relevant law, for example where you appear to be a “proscribed

person”, you acknowledge that we may be required to block access to the Card and/or

Card Fund and immediately refuse to process or complete any transaction or suspend

or terminate our arrangements with you. You agree that under these circumstances we

are under no liability to you.

5.16. You agree that we may delay, block or refuse to process any transaction without

incurring any liability if we suspect that the transaction:

c) may breach any laws or regulations in Australia or in any other country;

d) involves any person (natural, corporate or governmental) that is itself sanctioned or

is connected, directly or indirectly, to any person that is sanctioned under economic

and trade sanctions imposed by the United States Office of Foreign Assets Control,

United Nations, the European Union or any country; or

e) may directly or indirectly involve the proceeds of, or be applied for the purposes of,

any unlawful conduct.

6. Card limits

6.1. Most ATM operators limit the minimum and maximum amounts that can be obtained in

a single transaction. These amounts may also be limited (in some countries) by

regulatory controls.

6.2. Other limits are also applicable to the use of the Card (and any Secondary Card), as

set out in the Fees and Limits Table. See pages 7, 8, 9, 10 and 11 of this PDS.

7. Secondary Cards

7.1. One Secondary Card will be provided to you free of charge at the time you purchase

the Card. You should never give your Secondary Card or PIN to another person.

7.2. The Secondary Card is used in the same way as the main Card and can be used to

load/reload amounts to the Cash Passport Card Fund.

7.3. You can de-activate a Secondary Card at any time by contacting Access via the

numbers on the back of your Card or set out elsewhere in this document or as set out

at www.cashpassport.com.au/contact-us.

7.4. You will be responsible for any transactions made with any Secondary Card and for

ensuring that a Secondary is used in accordance with these Terms and Conditions.

7.5. The Secondary Card is provided to you for your use as a back up in the event the Card

is lost or unable to be used. The Secondary Card is for your use only and it and its

security PIN should not be provided to anyone else.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

8. Cash Passport Card Fund

8.1. Until the expiry of the Card you can add additional funds to each Currency through a

Distribution Outlet (who will advise you of the acceptable methods of payment),

through BPAY®, or through other methods made available from time-to-time which are

set out at www.auspost.com.au/cashpassport, subject to certain limits and subject to a

fee (refer to the Fees and Limits Table). There may be a delay (usually no more than 2

Australian banking days if the payment is made before 2pm Australian Eastern

Standard Time) before funds added to the Cash Passport Card Fund via Online Reload

methods are available for use. BPAY® reloads will be allocated to your current default

reload Currency. The default reload Currency will initially be AU$, however you can

change your default BPAY® reload Currency online via

www.cashpassport.com.au/dashboard.

Please note that you can only have one default reload Currency at a time. If you send

a BPAY® reload and then change your default reload Currency before we receive your

BPAY® payment we will apply your reload to the Currency that is set as your default

reload Currency at the time we process your reload.

Via ‘My Account’ you are able to:

a) change some of your personal details;

b) allocate your funds across different Currencies;

c) check the balances;

d) check your Card transactions; and

e) view your electronic statements

8.2. As best as you can, memorise your PIN. This is very important as you cannot change

the PIN issued with your Cards. For security purposes, you should not keep your PIN

written anywhere near your Cards. If you forget your PIN, you can obtain a PIN

reminder by calling Access and answering the security questions you supplied on your

application or by going to ‘My Account’ and following the prompts at

www.cashpassport.com.au/dashboard at any time.

8.3. You may also be able to make a balance enquiry at some ATMs although availability is

dependent on the country and the ATM used. There may be a fee payable (to the ATM

operator) for balance enquiries.

8.4. If an ATM displays a balance for the Cash Passport Card Fund, then this may be

displayed in AU$ or in a different currency, in which case the exchange rate applied

may be different to ours and minor discrepancies can arise. An ATM will not display a

balance for each Currency. An accurate balance for each Currency can be obtained

through Access or through ‘My Account’ at www.cashpassport.com.au/dashboard.

8.5. Information sent over the internet may not be completely secure and the internet and

the online systems are not controlled or owned by the Issuer or Access so neither the

Issuer nor Access can guarantee that they will function at all times and the Issuer and

Access accept no liability for unavailability or interruption or for the interception or loss

of Personal Information or other data.

8.6. Electronic Statements are available for printing from ‘My Account’. You can ask Access

for a paper statement to be posted to you outside the normal statement cycle

although there may be a fee for this. You should carefully check all your transaction

history for any discrepancies and notify Access immediately if you believe there is any

discrepancy in any statement.

8.7. The Cash Passport Card Fund can only be used if it is in credit. If a particular Currency

becomes overdrawn, and a Negative Balance arises, following any transaction

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

authorised by you, the resulting debit balance immediately becomes a debt payable

by you to the Issuer and we retain the right to recover this debt by deducting funds

held in another Currency. When we convert the Negative Balance into the relevant

Currency we will use the same rate that we use for Currency to Currency allocations on

the given day we process the transaction.

If notwithstanding any such deduction a Negative Balance remains, the resulting debit

balance immediately becomes a debt payable by you to the Issuer. A Negative

Balance Fee may also be payable if a particular Currency and/or the Cash Passport

Card Fund becomes overdrawn (see Fees and Limits Table). If the Cash Passport Card

Fund does become overdrawn, every attempt should be made, by you to stop

subsequent transactions.

8.8. If we notice an error in the Cash Passport Card Fund that is our fault we will correct it

within 5 business days of becoming aware of the error.

8.9. If you notice any error in any transaction in the Cash Passport Card Fund then you

must notify Access immediately and in any event within 30 business days of the

transaction in question. Access or the Issuer may request you to provide additional

written information concerning any error and you must comply with that request.

8.10. Provided that you have complied with all reasonable requests for information we will

correct the error if it is our or any of our service providers’ fault. If we decide it is not our

fault we will notify you in writing or by email as soon as this decision is made. Where we

are required to do so, we normally re-credit the Cash Passport Card Fund within 10

business days, although there may be a delay while investigations are completed.

9. Fees

9.1. You agree to pay and authorise us to debit the Cash Passport Card Fund for the fees

set out in the Fees and Limits Table. These fees may be debited from the Cash

Passport Card Fund as soon as they are incurred. Unless otherwise specified, all fees

will be debited in AU$ Currency. If there are insufficient funds in AU$ Currency to pay

such fees, then we will automatically deduct funds from other Currencies in the

following order of priority: AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$. Any such

deduction of funds may be subject to a fee (refer to the Fees and Limits Table), If we

make additional currencies available to you in connection with the Card, then we will

notify you of the new order of priority for the purposes of this clause 9.1 either directly

or through ‘My Account’ and/or www.cashpassport.com.au/dashboard.

9.1. Certain merchants may charge an additional fee if the Card is used to purchase goods

and/or services. The fee is determined and charged by the merchant and is not

retained by us.

9.2. If there is no credit balance on the Cash Passport Card Fund following the debit of any

monthly inactivity fee (refer to the Fees and Limits Table, if the balance is less than the

fee we will waive the difference) and the Card has expired, we will automatically close

the Cash Passport Card Fund.

9.3. The Card is intended to be used as a travel money card and not to make withdrawals

from ATMs in Australia. If you use your Card to withdraw from an ATM in Australia, you

will be charged a fee and this will be debited from your Cash Passport Card Fund.

Please refer to Fees & Limits Table and the Domestic ATM withdrawal fee.

9.4. If any amounts payable under this PDS represents consideration for a taxable supply,

then those amounts shall be taken to be inclusive of GST.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

10. Foreign currency transactions

10.1. There are seven instances where a foreign exchange rate will apply:

a) Initial load or in-branch reload where you allocate funds in a foreign Currency (i.e. in

a currency other than AU$);

b) BPAY® Reloads, or Online reloads where you allocate funds in a foreign Currency

(i.e. in a currency other than AU$);

c) Point of sale transactions where the transaction is in a currency that is not one of

the Currencies available on the Card (including any transaction where we deduct

funds under clause 5.8 above due to insufficient funds);

d) ATM withdrawals where the local currency is not one of the Currencies available on

the Card, or where there is an insufficient available balance in the relevant

Currency;

e) Where you allocate funds from one Currency to a different Currency;

f) Where we allocate funds from one Currency to a different Currency in accordance

with these Terms and Conditions; and

g) Where you close a Card, or request repayment of the balance of a Card under

clause 11.2 below, that has funds in a foreign Currency (i.e. in a currency other than

AU$). The method for calculating the foreign exchange rate for each scenario is as

set out below.

10.2. The foreign exchange rate used for initial loads and in-branch reloads varies by

Distribution Outlet. You can ask the Distribution Outlet for the exchange rate

beforehand. Foreign exchange rates are subject to variation and the rate that applies

one day will not necessarily be the same on any other day.

10.3. The foreign exchange rates used for BPAY® Reloads is set and determined by Access

and varies each day. You can obtain this exchange rate by contacting Access.

10.4. If an ATM withdrawal or point of sale transaction is made in a currency which is

different to any of the available Currencies, or exceeds the relevant available Currency

balance, on your Card, the amount will be funded by converting the transaction

amount into the next available Currency balance on your Card in the following order of

priority: AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥ and SG$. The foreign exchange

rate used is the rate determined by MasterCard® to be the wholesale rate or the

government mandated rate in effect on the day the transaction is processed by

MasterCard®, plus a margin applies (see Fees & Limits Table).

10.5. The foreign exchange rate used for allocating funds from one Currency to another

Currency is set and determined by Access and varies each day. A Currency Conversion

Fee also applies (see Fees and Limits Table).

10.6. Where you close a Card, or request repayment of the balance of a Card under clause

11.2 below, that has funds in a foreign Currency (i.e. in a currency other than AU$), we

will convert these funds into AU$ Currency. The foreign exchange rate used for this is

set and determined by Access and varies each day. A Currency Conversion Fee also

applies (see Fees & Limits Table). If you wish to confirm the foreign exchange rates

before you close your Card you can call us on 1800 036 739.

11. Withdrawing the balance of your Cash Passport Card Fund

11.1. The Cash Passport Card Fund continues until you ask to close it or it is closed by us in

accordance with these Terms and Conditions (whichever is the earlier), even if the Card

has expired.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

11.2. At any time before the Card has expired, you may be able to arrange through the

Distribution Outlet, or Access, for payment of any credit balance remaining in the Cash

Passport Card Fund. Payment will be in Australian dollars and the exchange rate will

be determined by Access. A balance withdrawal fee (see Fees & Limits Table) will be

charged for this service. The relevant credit balance will be deposited into your

nominated Australian bank account. . If you experience any difficulty in obtaining this

balance through the Distribution Outlet or if the Card has expired then contact Access.

The credit balance available to you will not include uncancelled pre-authorised or ‘held’

amounts (see clause 5 above), although these sums will be made available to you once

the pre-authorisation has been cancelled or the ‘held’ amounts released and the

relevant amounts re-credited to the Cash Passport Card Fund.

11.3. The Cash Passport will remain active until you end this Agreement pursuant to clause

17.

12. Cash Passport Global Emergency Assistance

12.1. You are entitled to Global Emergency Assistance from Activation until expiry or closure

of the Card. Global Emergency Assistance services are provided by Access.

12.2. The Global Emergency Assistance services are available to you, your partner and

children under 16 years of age.

12.3. The Issuer arranges for the Global Emergency Assistance services to be provided and

is not the provider. The Issuer does not promise that the Global Emergency Assistance

services will:

a) always be available;

b) be suitable for any purpose; or

c) be provided to any particular standard.

12.4. You acknowledge that any changes to, or discontinuance of, the Global Emergency

Assistance services can occur without the Issuer’s participation.

12.5. You also acknowledge and agree that:

a) the Global Emergency Assistance services are used at your own risk;

b) the Issuer is not liable for any liability or loss arising in connection with the use by

you of the Global Emergency Assistance services or because of the Global

Emergency Assistance services being unavailable or discontinued;

c) you cannot make any complaint to the Issuer about the Global Emergency

Assistance services; and

d) you do not rely on the Global Emergency Assistance services being available, being

suitable for any purpose or being provided to any particular standard in deciding

to purchase the Card.

13. Card security

13.1. You must make sure that you keep the Card, any Secondary Card, the Security Details

and any PINs safe and secure. The precautions we require you to take (Security

Requirements) are set out below.

You must not:

a) allow anyone else to use the Card or Secondary Card;

b) interfere with any magnetic stripe or integrated circuit on the Card or Secondary

Card;

c) unnecessarily disclose the Card or Secondary Card number;

d) write the PIN on the Card or Secondary Card;

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

e) record the PIN on anything carried with the Card or Secondary Card or on anything

liable to loss or theft simultaneously with the Card or Secondary Card, unless you

make a reasonable attempt to protect the security of the PIN;

f) voluntarily disclose the PIN to anyone, including a family member or friend; or

g) act with extreme carelessness in failing to protect the security of a PIN.

13.2. You must comply with any instructions we give about keeping the Card, any Secondary

Card and any Security Details safe and secure.

13.3. The Card will be disabled if an incorrect PIN is entered three successive times. If the

Card is disabled, please contact Access to reactivate the Card. There may be a delay

(usually 24 hours) in reactivating a disabled Card.

14. Loss, theft and misuse of Cards

14.1. If you know or have reason to suspect that the Card is lost or stolen or damaged, likely

to be misused or you have reason to suspect that someone else may know the PIN or

Security Details, you must immediately notify Access. We will then suspend the

relevant Card and/or Secondary Card to restrict further use.

14.2. You may be required to confirm details of the loss, theft or misuse in writing (and to

provide particular information in the confirmation) and you must comply with that

requirement.

14.3. You must assist us and the police in any enquiries and attempts to recover a lost or

stolen Card or Secondary Card.

14.4. If any lost Card or Secondary Card is subsequently found it must not be used unless

Access confirms it may be used.

15. Liability for Unauthorised Transactions

15.1. Your liability for losses arising from Unauthorised Transactions will be determined

under the ePayments Code.

15.2. You will not be liable for losses resulting from Unauthorised Transactions where it is

clear that you have not contributed to the loss.

15.3. You will not be liable for losses resulting from Unauthorised Transactions that are

caused by the fraudulent or negligent conduct of:

a) our staff or agents; or

b) companies involved in networking arrangements, or

c) merchants who are linked to the electronic funds transfer system or their agents or

employees.

15.4. You will not be liable when Unauthorised Transactions:

a) happen with a Card or Secondary Card after notification to us that the Card or

Secondary Card has been misused, lost or stolen or that the security of the

relevant PIN has been breached;

b) (b) happen before you receive a Card and/or PIN (including a reissued Card and/or

PIN);

c) are made with forged, faulty, expired or cancelled Cards, Identifiers or PINs (as

applicable);

d) are the result of the same transaction being incorrectly debited more than once to

the same Cash Passport Card Fund; or

e) are made using an Identifier without a Card or PIN.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

15.5. Where we can prove on the balance of probability that you have contributed to the

losses caused by an Unauthorised Transaction:

a) through your fraud; or

b) by failing to comply with the Security Requirements,

then you are liable for the actual losses which occur before we are notified of the loss,

theft or misuse of your PIN or Card or a breach of the Security Requirements.

However, you will not be liable for any loss on any day, or in any period, exceeding any

applicable transaction limit for that day or period and you will not be liable for loss in

excess of the balance of the Cash Passport Card Fund available for transactions using

the Card (or Secondary Card).

If you leave your Card in an ATM, you will be liable for all losses arising from

Unauthorised Transactions in relation to your Card as long as the ATM incorporates

reasonable safety standards that lessen the risk of your Card being left in the ATM

(e.g. ATMs that capture cards that aren’t removed or which require a user to swipe and

then remove a card before commencing the transaction).

15.6. You will be liable for losses resulting from Unauthorised Transactions where we can

prove on the balance of probability that you have contributed to the losses through

unreasonably delaying notification of the misuse, loss or theft of a Card (or Secondary

Card) or that the security of the relevant PIN has been breached. Your liability in this

case is limited to losses occurring between the time that you became aware of the

security compromise, or should reasonably have become aware in the case of a lost or

stolen Card, but you will not be liable for any loss on any day, or in any period,

exceeding any applicable transaction limit for that day or period and you will not be

liable for loss in excess of the balance of the Cash Passport Card Fund available for

transactions using the Card (or Secondary Card).

15.7. If it is unclear whether or not you contributed to the loss caused by an Unauthorised

Transaction that required a PIN, the amount of your liability will be limited to the least

of:

• AU$150;

• the actual loss at the time we’re notified that the security of the PIN was breached

or the Card has been lost, stolen or used without your permission (limited by the

applicable daily or period transaction limits over the relevant timeframe); or

• the balance of the Cash Passport Card Fund available for transactions using the

Card (or Secondary Card).

15.8. For Card transactions that don’t need a PIN, you’re not liable for any Unauthorised

Transactions unless you have unreasonably delayed notifying us of the loss, theft or

unauthorised use of the Card.

15.9. To dispute a transaction(s) on your Card complete the ‘Dispute Claim Form’ and fax to

+44 1733 502179. To obtain the ‘Dispute Claim Form’ please visit

www.cashpassport.com.au/contact-us.

16. Replacement Cards

16.1. If the Card is lost, stolen or damaged while you are in Australia, you can request a

replacement by contacting Access on 1800 098 231. Replacement Cards are sent to

you at your nominated address by standard post.

16.2. If the Card is lost, stolen or damaged while you are overseas you can request a

replacement by contacting Access on +44 207 649 9404. Replacement Cards can be

delivered to you, depending on your location and availability. Access may arrange for

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

funds to be made available from various world-wide outlets, or to send funds directly

to you, in place of delivering a replacement Card.

17. Ending of the Agreement

17.1. You may end this Agreement at any time by either submitting your request online via

the Access website www.cashpassport.com.au/contact-us or contacting us for

assistance and the Cash Passport Card Fund will subsequently be closed (see clause

11 above).

17.2. The Issuer may, with or without notice and without incurring any liability to you, ask for

the return of the Card , cancel or suspend its use and/or end this Agreement if it has

good reason to do so, including but not limited if:

a) the Issuer considers the Card has been or is likely to be misused;

b) you breach any of these Terms and Conditions;

c) the Issuer suspects any illegal use of the Card; or

d) you gave the Issuer, Access or the Distribution Outlet false, inaccurate or

incomplete information when you applied for the Card.

17.3. The Issuer may end this Agreement for any other reason, or without assigning a

reason, by giving you at least 30 days’ notice.

17.4. If this Agreement has ended pursuant to clause 17.1 above, we will refund any credit in

the Cash Passport Card Fund (less any fees, see clause 11 above for more information).

17.5. Once this Agreement has ended, you must destroy the Card and any Secondary Cards

by cutting it (or them) in half diagonally, ensuring the Chip is destroyed, and disposing

of it (or them) securely.

18. Changing the Terms and Conditions

18.1. We may change these Terms and Conditions (including bringing in new fees, changes in

the fees or limits and the services we offer) at our discretion by giving you at least 20

days’ notice (see clause 21 below for details of how we will communicate with you).

18.2. We will not be in breach of these Terms and Conditions if we take necessary action in

order to make a change necessitated by an immediate need to restore or maintain the

security of the system or the Cash Passport Card Fund.

19. Your Personal Information (important information about your privacy)

19.1. By purchasing the Card you consent to the Issuer, Access and the Distribution Outlet

collecting, using and disclosing your Personal Information under these Terms and

Conditions. If you do not agree to our doing so then we cannot make the Card facility

available to you and you should not purchase the Card.

19.2. You must notify us immediately of any change to your address and other contact

details by accessing ‘My Account’ and typing the relevant changes yourself or by

contacting Access. You should also contact Access if you change your name. We will

not be responsible if you do not receive any notice or correspondence that has been

sent in accordance with the contact details you have provided to us.

19.3. You may be required to provide information to the Issuer, Access or the Distribution

Outlet (including evidence of identity) when purchasing the Card or adding additional

funds to the Card.

19.4. The Issuer, Access and Distribution Outlet will take all reasonable precautions to keep

Personal Information secure and protect it under their respective privacy policies. A

privacy statement which sets out the Issuer’s, Access’ and Distribution Outlet’s joint

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Card.

19.5. Your Personal Information may be disclosed by the Issuer, Access or Distribution Outlet

to third parties to facilitate the provision of the Card Services, to monitor compliance

with these Terms and Conditions and for anti-money laundering, detection of crime,

legal compliance and fraud prevention purposes. The Issuer, Access or Distribution

Post may also disclose Personal Information to collection agencies and lawyers in the

event that we seek to recover any money that you owe under these Terms and

Conditions.

19.6. In addition, by successfully applying for a Cash Passport Card, you are consenting to

Access using your personal information to notify you of our related products,

promotions and customer surveys that we may conduct from time-to-time. You can

elect to not receive further notifications by emailing us at

unsubscribe@accessprepaidww.com, or by mail to: Access Prepaid Australia Pty

Limited, Level 6, 165 Walker Street, North Sydney, NSW, 2060 or by telephone 1800 036

739. You also consent to us sending SMS’s to your mobile phone to advise you of Card

features or information relevant to your Card, such as low balance alerts. If you have

provided us with your mobile phone number we may also send you low balance and

other Card related alerts via SMS. See clause 23 below for details on SMS Messaging.

19.7. Your Personal Information will be processed outside Australia but all service providers

are required to have adequate safeguards in place to protect your Personal

Information.

19.8. Your Personal Information will not be shared or used for any other purpose except as

stated above unless we are required or permitted to do so as a result of any

government laws and regulations, by a court order or by any business or persons to

whom we transfer our rights and obligations under the agreement between you and

the Issuer which is governed by these Terms and Conditions.

19.9. We will continue to keep such of your Personal Information that is necessary after the

expiry of the Card or closure of your Cash Passport Card Fund on the same terms as

are set out above.

19.10.You are entitled to ask Access, the Issuer or Distribution Outlet to supply you with any

Personal Information that it holds about you. You must submit your request in writing.

We will delete any incorrect information or correct any errors in any of your Personal

Information that come to our notice.

19.11.To aid us in the provision of the services provided under these Terms and Conditions, in

the interests of security, and to help the Issuer, Access and Distribution Outlet maintain

and to improve their level of service, all telephone calls may be recorded and/or

monitored.

19.12.You agree that we may disclose any information concerning you to:

a) any law enforcement, regulatory agency or court where required by any such law

or regulation in Australia or elsewhere; and

b) any person we use to make payment for the purpose of compliance with any such

law or regulation.

20. Our liability

20.1. We will not be liable to you for any loss due to:

a) any instructions given by you not being sufficiently clear;

b) any failure by you to provide correct information;

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

c) any failure due to events outside our reasonable control;

d) any industrial dispute;

e) any ATM refusing to or being unable to accept the Card;

f) the way in which any refusal to accept the Card is communicated to you;

g) any indirect, special or consequential losses;

h) any infringement by you of any currency laws in the country where the Card or

Secondary Card is issued or used;

i) any dispute between you and the supplier of any goods and/or services purchased

with the Card;

j) our taking any action required by any government, federal or state law or

regulation or court order; or

k) anything specifically excluded or limited elsewhere in these Terms and Conditions.

20.2. You are not liable for any loss caused by the failure of a system or equipment provided

by any party to a shared electronic network to complete a transaction accepted by

the system or equipment in accordance with your instructions. However, if you were

aware, or should reasonably have been aware, that the system or equipment was

unavailable or malfunctioning, our responsibility will be limited to:

a) correcting any errors; and

b) refunding any charges or fees imposed as a result.

20.3. Liability for Unauthorised Transactions will be determined according to the ePayments

Code (see clause 15 above).

20.4. If you are a consumer, as defined by Part 2 of the Australian Securities and

Investments Commission Act 2001, or any similar applicable law, these Terms and

Conditions may include implied guarantees, conditions and warranties. You should not

interpret anything in these Terms and Conditions as excluding, restricting or modifying

any guarantee, condition or warranty which is implied by the Australian Consumer

Law. Where we are liable for a breach of these Terms and Conditions, then our liability

is limited to:

a) the supplying of the services again; or

b) the payment of the cost of having the services supplied again.

20.5. The Distribution Outlet is only authorised by the Issuer or Access to provide the

services explained in the Product Disclosure Statement in which these Terms and

Conditions are printed. The Issuer and/or Access is not responsible for and accepts no

liability for any other goods or services that may be offered or provided to you by the

Distribution Outlet.

20.6. The Issuer does not maintain the website through which ‘My Account’ is accessible. You

agree that the Issuer is not responsible for any content on that website other than

information relating specifically to you, the Cash Passport Card Fund or your Card.

21. Communications

21.1. You agree that we may give written notices or other communications to you under or in

connection with these Terms and Conditions either:

a) by writing to you at your residential or postal address last known to us;

b) by giving it to you personally or leaving it at your residential or postal address last

known to us;

c) by electronic communication to your email address or fax number last known to us

or which you last gave us for sending notices and communications to you; or

d) if the notice or communication is not personal to you – by publishing a notice in a

newspaper circulating nationally in Australia or by posting on

www.cashpassport.com.au.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

21.2. For the purpose of giving you information that we are required to provide under the

ePayments Code (including statements of Card Fund, but not for any information that

we want to provide to you that is not required by the ePayments Code to be provided

to you):

a) we will only do so by electronic communication if you have made a specific positive

election to accept electronic communications;

b) you have the right to vary your nominated email address, mobile phone or fax

number;

c) you have the right to terminate your agreement to receive the information

electronically (a fee for the provision of paper communications may apply); and

d) if within 6 months after the electronic communication is given, you ask Access for a

paper copy of the information provided electronically, the paper copy will be

provided to you.

21.3. If we give a notice or other communication to you by email, the content of the notice or

communication may be:

a) set out in the body of the email;

b) included as an electronic document attached to the email; or

c) made available at ‘My Account’ for retrieval by you (with the email advising you of

this and of the general nature of the information, and giving you the ability to

readily retrieve the information electronically. For example, by means of a link to

‘My Account’).

21.4. If we give a notice or other communication to you:

a) by writing to you – you are taken to have received it when it would be delivered in

the ordinary course of the post;

b) by giving it to you personally or leaving it for you – you are taken to have received

it on the day of delivery; or

c) electronically – you are taken to have received it on the day it is transmitted.

21.5. In addition to the ways set out in these Terms and Conditions, we may give you a

notice or other communication by using any method allowed or required by a law or

the ePayments Code. If a law or the ePayments Code requires us to use a particular

method, we will do so.

21.6. You agree that, for the purpose of telephone communications originated or received by

us or Access, and for the purpose of electronic communications received by us or

Access, we or Access may verify your identity by reference to any or all of the Security

Details information on the SMS services provided by us from time-to-time, please visit

www.cashpassport.com.au.

22. Third parties

22.1. The Issuer may transfer its rights and obligations under its agreement with you to any

other person or business. If this happens, the person or business to which this

agreement is transferred assumes all of the Issuer’s rights and obligations under the

agreement. From then on, references in these Terms and Conditions to the Issuer are

to be read as references to the person or business to which the Agreement was

transferred.

22.2. Except in those circumstances, nothing in these Terms and Conditions will confer on

any third party any benefit or the right to enforce any terms of the Agreement

between you and the Issuer.

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

23. SMS messaging

23.1. We may from time-to-time send you SMS alerts relating to you Card Fund and Card

activity. You can stop the SMS alerts at any time by sending “STOP” to the number

indicated in the SMS (your mobile phone provider will charge you their standard SMS

fee for sending this SMS). For more information on the SMS services provided by us

from time-to-time, please visit www.cashpassport.com.au.

24. Governing law

24.1. These Terms and Conditions, and the Agreement between you and the Issuer, are

governed by the laws of the State of Queensland, Australia and any legal questions

concerning the Terms and Conditions or the Agreement will be decided under those

laws.

24.2. You submit to the non-exclusive jurisdiction of the courts of the jurisdiction in which you

acquired the Card to hear and determine any disputes or legal questions concerning

these Term and Conditions or the Agreement between you and the Issuer.

Country Phone Numbers

Argentina 0800 666 0026

Malaysia 1800 814 933

Australia 1800 098 231

Mexico 01800 123 3480

Austria 0800 293 724

Monaco 800 93 677

Bahrain 8000 4838

Netherlands 0800 023 3935

Bahamas 1800 389 0523691

New Zealand 0800 444

Belgium 0800 77 228

Norway 800 14 326

Brazil 0800 892 3560

Philippines 1800 1442 0143

Czech Republic 800 143 722

Poland 00800 441 2460

Chile 123 0020 7887

Portugal 800 880 501

China (North) 10 800 712 2683

Russia 810 800 2500 2044

China (South) 10 800 441 1345

Saudi Arabia 800 844 2790

Croatia 0800 223 179

Singapore 800 441 1379

Cyprus 800 96 361

Slovakia 0800 001 684

Denmark 808 84 857

South Africa 0800 982 674

Dominican Republic 1888 156 1388

South Korea 00798 4434 1279

Multi-Currency Cash Passport™ Product Disclosure Statement effective 23 March 2015.

Country Phone Numbers

Finland 0800 918 279

Spain 900 958 973

France 0800 916 940

Sweden 020 796 949

Germany 0800 181 4595

Switzerland 0800 834 918

Greece 00 800 4413 1532

Taiwan 0080 104 4292

Hong Kong 800 966 321

Turkey 00800 4463 2089

Iceland 800 98 78

Thailand 001800 442 212

India 000800 100 7960

UAE 8000 440 628

Indonesia 1803 0441 1368

United Kingdom 0800 056 0572

Ireland 1800 535 564

Uruguay 000 413 598 3672

Israel 180 943 1521

USA/Canada 1 877 465 0085

Italy 800 789 525

All other countries +44 207 649 9404

(*Please remember to add the international

prefix of the country you are in, at the beginning

of this number (in most cases this is 00, for

example 0044 207 649 9404. Calls to this number

are not free of charge.)

Japan 00531 780 221