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EVERYTHING YOU NEED TO KNOW ABOUT:

PRODUCT DISCLOSURE STATEMENT, APPLICATION FORM AND TERMS AND CONDITIONS

Prepaid MasterCard® Currency Card

MANAGING YOUR CARD

USING YOUR CARD OVERSEAS

TOPPING UP YOUR FUNDS

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TABLE OF CONTENTS

Summary 4

Frequently Asked Questions 6

About this Product Disclosure Statement 8

•Distributor–Access 9

•Issuer–HeritageBankLtd 9

•Fees 14

•Limits 16

•PrivacyStatement 18

•Queries 20

GlobalEmergencyAssistance 27

TermsandConditions 30

Reportinglostorstolencards 46

The beTTer way To manage Travel money

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Protected •ChipandPINprotected•Notlinkedtoyour

bank account•Supported around the

world by Cash Passport 24/7GlobalEmergencyAssistance

•Free second back-up Cardprovided

•Free replacement of lost orstolenCards(deliveryabroad subject to your locationandavailability)

Adaptable •AvoidcurrencyfluctuationsbyloadingfundsinforeigncurrencyandusingthatCurrencyinthecorrespondingcountryorregion

•Multiple Currencies# are availableforuse

•LoadyourCardasmanytimes as you like##

•ReloadatanyparticipatingDistribution Outlet###

•ReloadusingBPAY®viatelephone/internetbanking,allowingapproximatelytwobusinessbankingdaystoprocess###

Convenient•Withdraw local currency atover2.1million ATMs worldwide

•Use unspent funds for yournexttriporcashoutyour Card*

•Accepted for purchases at over35millionMasterCardlocations worldwide with no transaction fee**

•Nobankaccountrequiredtopurchaseandyoudon’thavetobe18yearsofage

•EasytomanageyourCardand to allocate your funds across different Currencies onlinevia www.cashpassport.com/ multi

•Prepayment means nounexpectedbillsforpurchasesusingyourCashPassport Card when you return home

# TheCurrenciesavailableinrespectoftheCardmayvaryfromtimetotimeandnotallCurrenciesmaybeavailableatalltimes.BeforeyoumakeadecisiontoacquiretheCard,pleasecheckwiththe Distribution Outlet or on www.cashpassport.com/multi for detailsoftheavailableCurrencies.

## UntilCardexpiryandsubjecttoreloadlimits(seeFeesandLimitsTable).

### Please note that any reloads are made attherelevantexchangerateontheday that the reload is processed (this variesfromdaytoday).

UntilCardexpiry.Afeeappliesforcashouts,seeFeesandLimitsTable.

* UntilCardexpiry.Afeeappliesforcashouts,seeFeesandLimitsTable.

** Subjecttoanysurchargewhichmaybeimposed directly by a merchant

Easy account management ManagingyourMulti-currencyCashPassportCardissimple.Youcancheckyourbalances,allocate your funds across different currencies (fees

apply - please see Fees and LimitsTable),viewyourrecenttransactions and more online afterregisteringyourCardon‘My Account’ at www.cashpassport.com/ multi

Global Emergency Assistance ShouldtheworsthappenandyouloseyourCard,orithasbeenstolen,don’tworry.Ourdedicatedteamisonhand24hoursaday,7daysaweektohelp.ThefirstthingtodoiscallCardServicesstraightawaysothatwecancanceltheCard.

CardServicescanthenofferassistanceincludingemergencycashreplacement:anywhereintheworld,normallywithin20minutes,uptotheavailablebalanceonyourCard*.

*Insomeremotelocationsthiscouldtakeupto24hours.

PROTECTED ADAPTABLE CONVENIENT

Summary: The Multi-currency Cash Passport™ Prepaid MasterCard® Currency Card, is a chip and PIN protected travel money Card. Load multiple Currencies# onto one easy to use Card

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How to use your Multi-currency Cash Passport Card YourMulti-currencyCashPassportCardwillgenerallybeactivatedwithintwo(2)businesshoursofpurchase.Youcanuseyour Multi-currency Cash Passport Card at any ATM displayingtheMasterCard® logo,aswellasMasterCardmerchantsincludingshopsandrestaurants.TheCardcan also be used online at merchants that accept MasterCard.With a Multi-currency Cash Passport Card you do not need to worry about bank openinghoursorlengthyqueuestoaccessyourfunds.

Checking your balance Simplygoto‘My Account’ at www.cashpassport.com/ multi,registeryourCardandyou’llbeable to see your Multi-currency CashPassportCardbalance,allocate your funds across different currencies (fees apply - seeFeesandLimitsTable),andreviewanyrecenttransactions.

What should I do with my Multi-currency Cash Passport Card after the trip? For further reload details and options please see www.cashpassport.com/multi Simply keep your

Multi-currency Cash Passport Cardforyournexttrip.YourMulti-currency Cash Passport Cardisvaliduntilthedateshown on the front of the Card.Untilthen,youcanload it with additional funds as often as you like (up to the reloadlimits).Alternatively,youcanchoosetocloseyourCardaccount–please refer to www.cashpassport.com/multi ortoaDistributionOutlet.Ifyouhaveprovideduswithyour mobile phone number we may also send you low balancealertsviaSMS.YoumaybechargedaCash Passport closure fee forclosingyourCardandrefundingthebalance.For more information on these charges,pleaserefertotheFeesandLimitsTableinthisdocument.

How much should you load on your Multi-currency Cash Passport Card? Ifyou’replanningatripoverseas,it’sagoodideatogetanideaoflocalprices.We’vecreatedanonline‘Beforeyougo’sectionat www.cashpassport.com/multi that will help you plan for essentials such as accommodation,mealsandkeyattractions.

Useful telephone numbers for 24/7 assistance, Card Services, lost or stolen Cards.Inanemergency,ifyourCardislost,orithasbeenstolen,pleasecontactCardServicesimmediately.ThisissothatwecancancelyourCardandofferassistanceincludingemergencycashreplacementuptotheavailablebalanceofyourCard.

Country PhoneNumberNewZealand 0800 444 691 Australia 1800 098 231 HongKong 800 966 321 Japan 00531 780 221 SouthKorea 00798 4434 1279 Thailand 001800 442 212 UK 0800 056 0572 USA/Canada 1 877 465 0085 Other Countries* +44 207 649 9404

*Pleaseremembertoaddtheinternationalprefixofthecountryyouarein,atthebeginningofthisnumber(inmostcasesthisis00,forexampleifyouaredialingthenumberfor“OtherCountries”dial00442076499404.Callstothisnumberarenotfreeofchargeandaresubjecttothechargesimposedbytherelevanttelecommunicationsprovider.

Formoreinformationvisitwww.cashpassport.com/multi andregisteryourCardon‘My Account’ to check your balances,allocateyourfundsacrossdifferentcurrencies,andviewyourrecenttransactions.

Using Your Card Frequently Asked Questions

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ThisProductDisclosureStatement(“PDS”)hasbeenpreparedbyHeritageBankLimited(formerlyknownasHeritageBuildingSocietyLimited),ABN32087652024,AFSL/ACL240984(“Issuer”)andisalegaldocumentcontainingimportantinformationwithrespectto,andTermsandConditionsapplicableto,theMulti-currencyCashPassport MasterCard®PrepaidCurrencyCard.Refertopage20fortheIssuer’scontactdetails.TheinformationinthePDSwillassistyouto:•decideifthisproductmeetsyourneeds•comparethisproductwithsimilarproductsPleasereadthisPDScarefullybeforedecidingtopurchasethisproduct,thenkeepitforfuturereference.ThisPDSisdated20March2013.SomeimportanttermsusedinthisPDSaredefinedintheTermsandConditions,seeclause1.1oftheTermsandConditions.

Updates relating to this PDS InformationinthisPDSthatisnotmateriallyadverseinformationissubjecttochangefromtime-to-time.Youmayaccessthisupdatedinformationviatheinternetatwww.cashpassport.com/multi.AlternativelyyoumayrequestapapercopyofthisinformationfreeofchargefromAccessbycalling1800098231.TheinformationwhichtheIssuerwillmakeavailablebywayoftheseupdatesissubjecttochangefromtime-to-time*.*Seeclause18oftheTermsandConditionsformoreinformationaboutchangestotheTermsandConditions.

What is the Multi-currency Cash Passport MasterCard Prepaid Card? This PDS relates to the Multi-currency Cash Passport MasterCard PrepaidCard(“Multi-currencyCashPassport”),whichisaprepaidtravelcardthatallowsyoutoobtainlocalcurrencyfromover2.1millionMasterCardATMsaroundtheworld,andtopaydirectlyforgoodsandservicesatmillionsofshops,restaurants,hotelsandotherlocationsthatacceptMasterCardworldwide.TheCardcanalsobeusedonlineatmerchantsthatacceptMasterCard.Thereare multiple Currencies#availableonyourMulti-currencyCashPassportCardwhichyoucanmanageonline24/7via ‘My Account’ on www.cashpassport.com/multi.#TheCurrenciesavailableinrespectofMulti-currencyCashPassportCardmayvaryfromtimetotimeandnotallCurrenciesmaybeavailableatalltimes.BeforemakingadecisiontoacquiretheCard,pleasecheckwiththeDistributionOutletoron www.cashpassport.com/multifordetailsoftheavailableCurrencies.

YouwillreceiveasecondMulti-currency Cash Passport Card freeofchargewheneveryoupurchaseaMulti-currencyCashPassportCard.ThismeansifyouloseoneofyourCardsyoucancontinueyourtripwithoutanyinconvenience.Youalsohaveaccessto24/7CashPassportGlobalAssistance,whichamongotherthings,canarrangeforemergencyfunds(uptotheavailablebalanceofyourCard)tobesenttoyou.This PDS only relates to this Multi-currency Cash Passport Card product.ThereareanumberofotherCashPassportproductsandyoushouldobtainandreviewthePDSfortherelevantproduct****ThisPDSisonlyfortheMasterCardbranded,chipandPINprotectedMulti-currencyCashPassportMasterCardPrepaidCard.

Distributor and Issuer of Product Distributor - AccessAccess PrepaidAustraliaPtyLtdABN47145452044,AFSL386837(“Access”)distributestheproductandsuppliestheprocessingservicesfortheCard,includingservicesandsystemsnecessarytoissue,andprocessalltransactionsontheCard.Inparticular,AccessisresponsibleforCarddesign,production,customerdata,transactionprocessingandcustomerservice.AccessholdsanAustralianFinancialServicesLicence(no.386837)authorisingittodealincertainclassesoffinancialproductsincludingtheMulti-currencyCashPassportCard.Accessispartof the MasterCardGroup.Issuer – Heritage Bank LimitedTheIssuer,HeritageBankLimitedABN32087652024,AFSL/ACL240984,isanauthoriseddeposit-takinginstitutionholdinganauthoritytocarryonbankingbusinessinAustralia,andissuestheMulti-currencyCashPassportCardunderanarrangementbetweenitandAccess.BypurchasingthisproductyouareenteringintoacontractualrelationshipwiththeIssuer,notwithAccess.TheIssuerholdsanAustralianFinancialServicesLicence(no.240984)authorisingittoprovidefinancialproductadvicefor,anddealin,certainclassesoffinancialproductsincludingtheMulti-currencyCashPassportCard.TheIssuerhasauthorisedAccesstoactastheIssuer’sagentforthepurposeofprovidingthedistributionandprocessingservicesmentionedbelow.

About this Product Disclosure Statement

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Distribution Outlets TheDistributionOutletsthroughwhichtheproductcanbeappliedforandpurchasedareAccess’agents.AllDistributionOutletsareagentsofAccess.DistributionOutletsarenotauthorisedbytheIssuerorAccesstogiveadviceabouttheMulti-currencyCashPassportCard.YoushouldnotrelyonanyadvicegiventoyoubyDistributionOutletsinmakingdecisionsabouttheMulti-currencyCashPassportCardproduct.Multi-currencyCashPassportCardscanbepurchased,loadedwithvalueandreloadedwithvalueataparticipatingDistributionOutletandonlineviaBPAY®.Otherreloadchannelsmayalsobemadeavailabletoyoufromtimetotime,detailsofwhichwillbepublished on www.cashpassport.com/multi.

Significant features and benefits of the Multi-currency Cash Passport CardNote:Thisisabasicsummaryonly.PleaserefertotheTermsandConditionsandtherestofthisPDSformoreinformation.

Convenience YourMulti-currencyCashPassportCardisaconvenientwayfor you to take multiple#differentCurrenciesinspendingmoneyoverseas,enablingyoutoeasilymanageyourmoneywhileawayfromhome.YoucanuseitonlineortopaydirectlyforgoodsandservicesatMasterCardmerchants,orwithdrawlocalcurrencyfromanyATMdisplayingtheMasterCardacceptancemark.WithMulti-currencyCashPassportyoudonotneedtoworryaboutbankopeninghoursorlengthyqueues,youcanaccessyourfundsinstantly,atanytimeofthedayornight.Multi-currency Cash Passport is for electronic use only and cannotbeusedformanualorofflinetransactions.YourMulti-currencyCashPassportalsoenablesyoutomanageyour Card online at www.cashpassport.com/multi–fromwhereyoucanconvenientlyaccessyourCardinformationatanytime,includingyourCardbalances,allocateyourfundsacrossdifferentCurrencies,andcheckyourtransactionhistory.YoucanalsousethiswebsitetolocatethenearestMasterCardATM.# TheCurrenciesavailableinrespectofMulti-currencyCashPassportCardmayvaryfromtimetotimeandnotallCurrenciesmaybeavailableatalltimes.BeforemakingadecisiontoacquiretheCard,pleasecheckwiththeDistributionOutletoron www.cashpassport.com/multifordetailsoftheavailableCurrencies.

Safety and security Foradditionalsecurity,yourMulti-currencyCashPassportCardischipandPINprotectedandhasasignaturepanelonthereverse.IfyourMulti-currencyCashPassportislostorstolen,youhaveforgottenyourPIN,orotherwisethinkyourPIN’ssecurityhasbeenbreached,youcancallour24hourGlobalEmergencyAssistancehelplineforimmediateassistance.Youshouldcalltheappropriatenumber listed at www.cashpassport.com/multi or as set out on thebackofyourCard.PleasenotethatATMwithdrawalswillalwaysrequireaPIN.

Easy to budgetA Multi-currency Cash Passport Card enables you to load both foreigncurrenciesandAustralianDollarsontotheoneCard.ThismeansyoucanexchangeyourAustralianDollarsintooneormorecurrenciesyourequirebeforeyoutravel.Whentravellingyouthenknowexactlyhowmuchyouhavetospendintherelevantcurrency.AsyourMulti-currencyCashPassportCardisprepaid,youknowexactlyhowmuchyouarespendingwhenyouareawayfromhome.IfyouwanttouseyourCardagain,youcanloadmorefundsontoitforyournexttrip.IfyouhavemoneyleftonyourMulti-currencyCashPassportCardattheendofyourtravels,youcanobtainarefundofyourremainingbalance(anadministrationfeewillapply–pleaseseeFeesandLimitsTable).

Reloadable YourMulti-currencyCashPassportCardcanbereloadedasmanytimesasyouwantduringthelifeoftheCardwithintheapplicablelimits,soyoucankeepyourCardforthenexttimeyoutravel.Weareconstantlylookingtoprovidenewreloadoptionsandmoreconvenientwaysofreloading.Pleasecheckonlineatwww.cashpassport.com/multi for details of any additional reloadmethodsmadeavailablefromtime-to-time.YourMulti-currencyCashPassportCardcanbereloadedatanyparticipatingDistributionOutlet.Ifyouaretravellingandrunningshortofmoney,youcanloadadditionalfundsontoyourCardbyusingBPAY®asdetailedbelow.

For BPAY® reloads: Biller code:184416Reference no: Your16digitCashPassportCardnumberBPAY®reloadswillgenerallytaketwobusinessdaystobeprocessedhowevermaytakelongerifthepaymentismadeafter2pmAustralianEasternStandardTime.BPAY® reloads will be allocated to your current default reloadCurrency.ThedefaultreloadCurrencywillinitiallybeAU$,howeveryoucanchangeyourdefaultBPAY® reload Currencyonlineviawww.cashpassport.com/multi.PleasenotethatyoucanonlyhaveonedefaultreloadCurrencyatatime.IfyousendaBPAY® reload and then changeyourdefaultreloadCurrencybeforewereceiveyourBPAY® payment we will apply your reload to the Currency that is set as your default reload Currency at the time we processyourreload.

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WhenaCardholderloadsand/orallocatesfundsacrossmultiplecurrencies,theCardholderisexposedto,andtakestheriskof,foreignexchangefluctuationsacrossthesevariouscurrencies.Forinstance,ifaCardholderloadstheirCardinUS$currency(attheprevailingrateontheday-seeclause10oftheTermsandConditions),thenovertime,theAustraliandollarequivalentofthisUS$currencymaybelessthan,ormorethan,theoriginalAustraliandollaramount.Service availability:Insomecircumstances,thereisariskthatATMorpointofsaleservicesmaynotbeavailableforaperiodoftime.TheIssuerandAccessaredependentuponthereliabilityandoperationalprocessesoftechnologyandcommunicationsproviders,withrespecttocomputerandtelecommunicationsnetworks.Whileallpartiesseektoachieve100%availability,processandservicedisruptionsmayoccurperiodically.

Multiple Currencies - order of priorityAs the Card is a multi-currency Card it is set up so that you can fullyutiliseyourentirebalancetofundatransaction.ThismeansthatwhereyoudonothavefundsavailableontheCardintheCurrencyofthetransaction,eitherbecauseitisnotoneoftheavailableCurrenciesontheCard,orbecauseyoudonothaveasufficientbalanceintherelevantCurrency,theCardwilluseyouravailableCurrencybalancesinthedefaultorderofpriority.Thedefaultorderofpriorityis1.AU$,2.US$,3.EU€,4.GB£,5.NZ$,6.TH฿,7.CA$,8.HK$,9.JP¥,10.SG$.ThismeansthattheCardwillfirsttakefundsfromtherelevantCurrencybalance,i.e.ifthetransactioninquestionisinUS$theCardwillfirstlooktoseeifyouhaveasufficientUS$balanceand,ifnot,willthenworkitswaythroughthebalancesintheaboveorderuntilthetransactionamountisabletobesatisfied.InthiscaseaCurrencyConversionFeewillapplyeachtimeaCurrencyusedtofundallorpartofthetransactionisdifferenttothetransactioncurrency.PleaseseetheFeesandLimitsTablefollowingforanexplanationofwhatforeignexchangefeesapplyinthesescenarios.

Where to buy your Multi-currency Cash Passport Card and contact details The Multi-currency Cash Passport Card is distributed by Access throughitsdistributionnetwork,whichincludesAccessregisteredagentsorauthorisedrepresentatives(forexample,throughmanytravelagents,creditunions,buildingsocietiesand financialinstitutions).Ifyouhaveanyquestionsorneedmoreinformation,please contactAccesson1800098231,orrefertothewebsite www.cashpassport.com/multi.IfyourCardislostorstolen,oryourequireemergencyassistance,pleasecalltheappropriatenumberslisted at www.cashpassport.com/multi or displayed on the back ofyourCard.ForgeneralenquiriesconcerningyourMulti-currencyCashPassportCard,youcancontactAccessbypostatthefollowingaddress:

AccessPrepaidAustraliaPtyLimited,POBox1653, NorthSydney,NSW,2060.OrcontactAccessbyphoneon1800098231.

Significant risks associated with the Multi-currency Cash Passport CardSecurity:ItisimportantthatyousafeguardyourCarddetails,yourPINandanyotherpasswords,equipmentorsoftwarerequired for your operation of your Multi-currency Cash Passport Card.Ifyoudonot,thenyoumaybeliableforunauthorisedtransactionsandotheramountsasexplainedfurtherintheTermsandConditions.Youmayalsohaveotherliabilities,andourliabilitymaybelimited,asdescribedintheTermsandConditions.ThereisariskofunauthorisedormistakentransactionsbeingmadethroughtheMulti-currencyCashPassportCard.Incertaincircumstances,theIssuer’sliabilityinrespectofunauthorisedormistakentransactionsislimited,meaningthatyoumaystillbeliableforthetransaction.InsomecircumstancestheIssuermaynotbeliableforlossescausedbyequipmentorsystemfailure(includingconsequentiallosses),meaningthatyoumaystillbeliableforthetransactionandconsequentiallosses.TheamountthatmaybewithdrawnusingaMulti-currencyCashPassportCardmaybelimitedbytheATMoperatorormerchant.Insomecases,thewayinwhichapointofsaletransaction is processed will depend upon the functionality of the equipmentused.Foreign exchange fluctuations: When a Multi-currency Cash PassportCardisloaded,itcanbeloadedwithmultiple pre-determined Currencies#

#TheCurrenciesavailableinrespectofMulti-currencyCashPassportCardmayvaryfromtimetotimeandnotallCurrenciesmaybeavailableatalltimes.BeforemakingadecisiontoacquiretheCard,pleasecheckwiththesellinglocationoron www.cashpassport.com/multifordetailsoftheavailableCurrencies.

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Fees & Limits TableThefollowingfeesandlimitsapply.FeesandlimitsaresubjecttovariationinaccordancewiththeTermsandConditions.Unlessotherwisespecified,allfeeswillbedebitedinAU$Currency.IfthereareinsufficientfundsinAU$Currencytopaysuchfees,thenwewillautomaticallydeductfundsfromotherCurrenciesinthefollowingorderofpriority:AU$,US$,EU€,GB£,NZ$,TH฿,CA$,HK$,JP¥,SG$.

FeesAU$ US$ EU€ GB£ NZ$ TH฿ CA$ HK$ JP¥ SG$**TheCurrenciesavailablemayvaryfromtimetotime.BeforeyoumakeadecisiontoacquiretheCard,pleasecheckwiththeDistributionOutletoronwww.cashpassport.com/multi for details

Initial Card fee and Distribution Outlet reload fee• Chargedatthetimeofpurchase/DistributionOutletreload ThisfeeissetandchargedbytheagentfromwhichyoupurchasedtheCard

Thegreaterof1.1%oftheinitialload/reloadamountorAU$15.00Forexample,foranagentcharginga1.1%initialloadfee,ifyoupurchaseaMulti-currency

CashPassportCardandloadAU$1,000,youwouldbecharged(AU$1,000x1.1%=AU$11),unlessaminimumfeeofAU$15applies.

Replacement Card fee FREEBPAY® reload fee• ThisfeeissetandchargedbyAccess

1%ofthereloadamountForexample,areloadofAU$500attractsafeeof1%(AU$500x1%=AU$5)whichwillbe

deductedfromyourreload.TheamountofyourreloadwillthereforebeAU$495.

Secondary Card fee 1FREEprovidedatsametimeInternational ATM withdrawal fee (outside Australia) FREE* *someATMoperatorsmaychargeanadditionalwithdrawalfee”Domestic ATM withdrawal fee - where you use your Card to make a withdrawal from ATMs in Australia from your AU$ currency (for more details refer to clause 9.4 of the Terms and Conditions)• Forexample:IfyouhaveAU$fundsonyourCardandwithdrawAU$500fromanATMinAustraliaitwillattractafeeofAU$14.75(AU$500x2.95%).Thiswillbechargedatthetimeofwithdrawal.ShouldyouhaveinsufficientfundsinAU$Currency,wewillconverttheequivalentsumofthewithdrawalandourDomestic ATM withdrawal fee from your Cash Passport Card Fund to complete thetransaction,andinadditionyouwillalsobechargedtheCurrencyConversionFeeassetoutbelow.ShouldyouonlyhaveforeignCurrency(i.e.acurrencyotherthanAU$)availableonyourCard,youwillonlybechargedtheCurrencyConversionFee.

2.95%oftheamountwithdrawn

Cash over the counter fee (where cash is obtained over the counter) AU$10.00Monthly inactivity fee• Chargedatthestartofeachmonthifyouhavenotmadeanytransactions ontheCardintheprevious12months

• UnlessyourCardisusedagain,orreloaded,thisfeeapplieseachmonthuntil theCardisclosedortheremainingCardbalanceislessthantheinactivityfee

AU$4.00permonth

24/7 Cash Passport Global Emergency Assistance FREENegative balance fee charged when a negative balance arises on your Card AU$20.00Cash Passport closure/withdrawal fee• ChargedwhenyoucloseyourCardorwithdrawfromyourCardFund. ThisfeeissetandchargedbyAccess

AU$10.00

Currency to Currency foreign exchange rate• ThisisappliedwhenyoumoveyourfundsfromoneCurrencytoanotherCurrency.

Atthethenapplicableretailforeignexchangeratedeterminedbyus.We will notify you of the rate that will apply at the time you allocate your funds from

one Currency to anotherCurrency Conversion Fee• Applied when a purchase or ATM withdrawal is conducted in a currency eithernotloadedorsufficienttocompletethetransactionandthecostisallocatedagainsttheCurrency/iesusedtofundthetransaction.

MasterCard®rate(“FXRate”)plusamarginof5.95%ofthetransactionvalue.TheMasterCardrateistheexchangeratedeterminedbyMasterCardtobetheirwholesalerateorthegovernmentmandatedrateineffectinthedaythe

transactionisprocessedbyMasterCard.

Important information about different transactionsAforeignexchangemarginappliestothetransactionamountiftheCardisusedforwithdrawalsinanycurrencyotherthanacurrencyavailableontheCard.Theapplicablemarginappliedtothetransactionamountis5.95%.Example of foreign exchange margin for a Card loaded with AU$ only: SupposeyoumakeawithdrawalfromanATMoutsideAustralia(inBrazil)forBrazilianRealBRL50.00andtheprevailingexchangerate,setbyMasterCard,isBRL1.00=AU$1.34.Beforetheforeignexchangemarginapplies,thiswouldequatetoAU$67.00(BRL50.00x1.34).AftertheforeignexchangemarginofAU$3.99isapplied(AU$67.00x5.95%),thiswouldequatetoAU$70.99(AU$67.00+AU$3.99).

Whereyoudonothaveabalanceinthecurrencyofthetransaction,yourCardFundwillbedebitedaccordingtothedefaultorderofpriority,whichisasfollows:AU$,US$,EU€,GB£,NZ$,TH฿,CA$,HK$,JP¥,SG$.Inaddition,wewilldebitthebalanceofeachCurrencyinthisorderuntiltherelevanttransactionamounthasbeensatisfied.

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LimitsAU$ US$ EU€ GB£ NZ$ TH฿ CA$ HK$ JP¥ SG$**TheCurrenciesavailablemayvaryfromtimetotime.BeforeyoumakeadecisiontoacquiretheCard,pleasecheckwiththeDistributionOutletoronwww.cashpassport.com/multi for details

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$100orcurrencyequivalentMaximum amount you can load/reload on your Card per load/reload AU$100,000orcurrencyequivalentMaximum BPAY® reload amount per day AU$25,000Maximum balance allowed across all currencies during any 12 month period AU$100,000

Cash over the counter limit in any 24 hour period AU$350Maximum 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$3,000orcurrencyequivalent

Maximum value of EFTPOS transactions during any 24 hour period AU$15,000orcurrencyequivalentMaximum balance allowed at any one time across all currencies AU$100,000

Other important information

PleasereadthefollowinginformationaboutyourMulti-currencyCashPassportCardcarefully:• YourMulti-currencyCashPassportCarddoesnotgenerateanyinterestor

anyothersimilarreturn.Youdonotearninterestontheamountstandingto the credit of the Multi-currency Cash Passport Card Fund accessed by the Card

• AlthoughtheissueroftheCardisanauthoriseddeposit-takinginstitutioninAustralia,theCardisnotadepositaccountwiththeIssuer

Important information about allocation of funds across different currencies “Currency to Currency foreign exchange rate” Ifyouallocatefundsfromonecurrencytoanothercurrency,orwherewedosoinaccordancewiththeTermsandConditionsaforeignexchangeconversionappliesatthethenapplicableretailforeignexchangeratedeterminedbyus.We will notify you of the rate that will apply at the time you allocate your funds fromoneCurrencytoanother.ExampleofCurrencytoCurrencyforeignexchangerateforanallocationoffundstoUS$fromAU$:SupposeyouwishtoallocateAU$500toUS$andtheprevailingexchangerate,setbyus,isAU$1=US$1.09.ThiswouldequatetoUS$545.00(AU$500x1.09).Pleaserefertoclause10oftheTermsandConditionsforfulldetailsofhowthesemarginsapply.

Currency balance before

transaction

Amount to debit from Card Fund

Runningpurchase balance

FXRateexcludingmargin

FXRateincludingmargin5.95%

Currency balance

after transaction

US$50.00 US$-50.00 US$100.00 - - US$0.00

AU$0.00 AU$0.00 US$100.00 - - AU$0.00

EU€60.00 EU€-60.00 US$18.15 US$1:0.6919EU€

US$1:0.7331EU€

EU€0.00

CA$100.00 CA$-18.88 US$0.00 US$1:0.9815CA$

US$1:1.0399CA$

CA$81.12

Forexample,supposeapurchaseismadeusingyourCardoverseasforUS$150.00,andyouhavethefollowingCardFundbalancesUS$50,AU$0,EU€60,CA$100,thenthefollowingapplicationoffundswilltakeplace:Pleaserefertoclause10oftheTermsandConditionsforfurtherdetailsofhowthesemarginsapply.

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Privacy StatementYourPersonalInformation(importantinformationabout yourprivacy)BypurchasingtheCardyouconsenttoAccess,theIssuerandtheDistributionOutlet,“we,us,our”collecting,usinganddisclosingyourPersonalInformationundertheseTermsandConditions.TheIssuerisrequiredbyanti-moneylaunderinglegislationtocollectPersonalInformationtoidentifyandverifyyouridentity.IfyoudonotagreetoourdoingsothenwecannotmaketheCardfacilityavailabletoyouandyoushouldnotpurchasetheCard.Youmustnotifyusimmediatelyofanychangetoyouraddressandothercontactdetailsbyaccessing‘My Account’(via www.cashpassport.com/multi)andtypingtherelevantchangesyourselforbycontactingAccess.YoushouldalsocontactAccessifyouchangeyourname.Wewillnotberesponsibleifyoudonotreceiveanynoticeorcorrespondence that has been sent in accordance with the contactdetailsyouhaveprovidedtous.YoumayberequiredtoprovideinformationtoAccess,theIssuer,ortheDistributionOutlet(includingevidenceofidentity)whenpurchasingtheCardoraddingadditionalfundstotheCard.AccessandtheIssuerwilltakeallreasonableprecautionstokeepPersonalInformationsecureandprotectitundertheirprivacypolicies.YourPersonalInformationmaybedisclosedbyAccessortheIssuertothirdpartiestofacilitatetheprovisionoftheCardServices,tomonitorcompliancewiththeseTermsandConditionsandforanti-moneylaundering,detectionofcrime,legalcomplianceandfraudpreventionpurposes.AccessortheIssuermayalsodisclosePersonalInformationtocollectionagenciesandlawyersintheeventthatweseektorecoveranymoneythatyouoweundertheseTermsandConditions.Inaddition,bysuccessfullyapplyingforaMulti-currencyCashPassportCard,youareconsentingtoAccessusingyourPersonalInformationtonotifyyouofourrelatedproducts,promotionsandcustomersurveysthatwemayconductfromtime-to-time.Youcanelecttonotreceivefurthernotificationsbyemailingan“unsubscribe”messagetousatunsubscribe@accessprepaidww.comorbymailto;AccessPrepaidAustraliaPtyLimited,Level6,165WalkerStreetNorthSydney,NSW,2060Attention:Multi-currencyCashPassport Orbytelephone1800098231.YourPersonalInformationwillbeprocessedoutsideAustraliabutallserviceprovidersarerequiredtohaveadequatesafeguardsinplacetoprotectyourPersonalInformation.WewillcontinuetokeepsuchofyourPersonalInformationthatisnecessaryaftertheexpiryoftheCardorclosureofyour Multi-currency Cash Passport Card Fund on the same terms asaresetoutabove.

YouareentitledtoaskAccessandtheIssuertosupplyyouwithanyPersonalInformationthatweholdaboutyou.Youmustsubmityourrequestinwriting.Wewilldeleteanyincorrectinformation or correct any errors in any of your Personal Informationthatcometoournotice.ToaidusintheprovisionoftheservicesprovidedundertheseTermsandConditions,intheinterestsofsecurity,andtohelpAccessandtheIssuermaintainandtoimprovetheirlevelofservice,alltelephonecallsmayberecordedand/ormonitored.

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Queries YoushouldinitiallyaddressanyqueryrelatingtoyourMulti-currencyCashPassportCardtoAccessbycallingtheappropriatephonenumberlistedonthebackofyourCard.Innocircumstances should you direct any queries to MasterCard®.

Complaints Ifyouhaveacomplaint,youcancontactAccessby:

•phone –calltheappropriatephonenumberlistedat www.cashpassport.com/multi or on the back of your Card

•mail –writeto:AccessPrepaidAustraliaPtyLimited,Level6,165WalkerStreetNorthSydney,NSW,2060Attention:CashPassportDisputeResolution •email –writeto:servicequality@accessprepaidww.comWewillhandleallcomplaintsaccordingtoourinternaldisputeresolutionprocedure(andtheePaymentsCode,where thecomplaintrelatestoatransactioncoveredbythe ePaymentsCode).Our dispute resolution procedure requires that we seek to resolveyourcomplaintwithin21days,althoughitisnotalwayspossibletodoso.Ifweareunabletoresolveyourcomplainttoyoursatisfactionwithin45days,youmaybeeligibletoescalatethecomplainttotheIssuer’sexternaldisputeresolutionservice.Theperiodof45daysmaybeextendedinexceptionalcircumstancesorwheretheIssuerdecidestoresolvethecomplaintundertherulesoftheMasterCardscheme.Ifyouwishtoescalatethecomplaint,pleasetellusandwewillfacilitatethereferralfreeofcharge.Ourexternaldisputeresolutionserviceis:

FinancialOmbudsmanService(FOS)GPOBox3Melbourne,VIC,3001Ph:1300780808Fax:0396136399Website:www.fos.org.auEmail:info@fos.org.au

Inaddition,youmaycontacttheIssuerby:•phone –call131422(fromwithinAustralia)or+61746949000(fromoutsideAustralia)

•mail –writeto:HeritageBankLimited,POBox190,Toowoomba,QLD,4350

•Fax –writetofaxnumber0746949782(fromwithinAustralia)or+61746949782(fromoutsideAustralia).

22 23

The beTTer way To manage Travel money

24 25

APPLICATION FORM

Pleasereadtheimportantinformationbelow:Complete in BLOCK LETTERSPleasenotethatcertaininformationisrequiredforidentificationpurposesintheeventofyourCardbeinglostorstolen.

Title(Mr/Mrs/Ms/Miss):

FirstName(s):

LastName(s):

ResidentialAddress:

Suburb:

Postcode: State:

HomePhone:

MobilePhone:

Email:

DateofBirth:

Mother’sMaidenName:

Important informationPersonalInformationiscollectedforthepurposesrelatingtoprovidingtheproductand/orservicerequested.BysuccessfullyapplyingforaMulti-currencyCashPassportCard,youareconsentingtoususingyourpersonalinformationtonotifyyouofourrelatedproducts,promotionsandcustomersurveysthatwemayconductfromtimetotime.Ifyouhaveanyprivacyconcerns,pleasecontactthePrivacyOfficerusingthecontact details shown at www.cashpassport.com/multi.

BytickingthisboxIconsenttobeingcontactedbyemailortextmessageinrelationtoCashPassportfunctions,featuresandpromotionsandourrelatedproducts,promotionsandcustomersurveysthatwemayconductfromtimetotime.BysuccessfullyapplyingforandusingtheCard,youacknowledgeandconsentthatwedonotprovideandyouwillnotreceivepaperstatements.ElectronicstatementsshowingtheCard’stransactionsandCashPassportCardFundbalanceareavailableforviewingandprintingthrough‘My Account’ at www.cashpassport.com/multi.

ByacceptingandusingtheCardyouagreetobeboundbytheTermsandConditionsdetailedinthisbrochure.BysigningthisapplicationformyouwillbedeemedtohaveacceptedtheTermsandConditions.IconfirmthatIhaveread,understoodandaccepttheattachedTermsandConditions

Signature

Date

x x x x x x

x x x x x x

Currency

FOR OFFICE USE ONLY

Tobecompletedwhilethecustomerispresent.Pleaseindicateifthisorderisfor:

Reloadable new card ReloadofanexistingcardCard number:

Secondary Card number:

Currencies requested for initial load:

AU$

US$

EU€

GB£

NZ$

HK$

SG$ NOTE:TheCurrenciesavailableinrespectoftheCardmayvaryfromtimetotimeandnotallCurrenciesmaybeavailableatalltimes.BeforeyoumakeadecisiontoacquiretheCard,pleasecheckwiththeDistributionOutletfordetailsoftheavailableCurrencies.

Initialcard/in-storereloadfee(AU$):

TotalAU$amountreceived:

PhotoIDverifiedbyagent:DriversLicence Passport

PhotoIDnumber:

AgentCode:

AgentName:

Town/Suburb:

ConsultantName:

26 27

Emergency cash disbursementFulfillmentlocations:•MoneygramAgents•WesternUnionAgents•AccessapprovedagentsYoumayreceiveemergencycash(uptotheavailablebalanceonyourCard)followingthelossortheftofyourCard(s),withinlimitssetbyusfromtime-to-time,whereapplicable.OnceaCustomerServiceRepresentativehasestablishedthatyouhavesufficientmeansofpayment(generallybymeansoffundsavailableonyourCard),AccesswillarrangeforemergencycashtobemadeavailabletoyouviaaconvenientAccessauthorisedlocation.Youwillbeadvisedoftherelevantaddressdetails,telephonenumberandopeninghoursoftheemergencycashpickuplocationasrequired.Fulfillment:Twentyminutesformajordestinationsandwithintwenty-fourhourselsewhere.Charges:None.

Emergency medical assistance (this service is not intended as a substitute for travel insurance)Youwillhaveaccesstoworldwidemedicalinformationandadvice.ACustomerServiceRepresentativewillarrangeforthefollowinginformationtobeprovided.Theinformationisprovidedingoodfaithbutwithoutincurringliabilityandwithoutgivinganyassuranceastothequalityofanyadviceorcarewhichmaybeprovidedbythestafforfacilitiesconcerned:•MedicalInformation Informationofaspecificnature,inrelationtoahospital,doctor, dentist,orpharmacyobtainedthroughlocalconsulateoffices including:Location,address,telephonenumbersandopening hourswhereappropriate,includingdetailsofspecificfacilities, capabilities,medicalspecialtiesandlanguagesspoken•Informationprovidedwillbeofaspecificnatureregardingtheabove,howevernotrelatingtomattersconcerningyourspecificorgeneralmedicalrequirements

•MedicalCounselingInterpretationForuseincircumstanceswhereeitherbyyourrequestorsubsequentreferral,theservicesofadoctorarerequiredfortheprovisionofinformation,specificadviceorrecommendationswithregardtoyourindividualmedicalrequirements,andanEnglishspeaking

Multi-currency Cash Passport Global Emergency Assistance

28 29

Emergency interpretation service Accesstoworldwideinterpretationservices,bytelephone.AverbaltranslationtoorfromEnglishandothercommonlanguageswillbeavailableinmostcircumstancesusingcustomercommunicationcentrestaff.*Shouldalanguagenotbeavailable,thenarrangementswillbemadeforanapprovedthirdpartyservicepartnertointerpret,providingacallbackfacilityifrequired.Charges:Theservicewillbefreeinthecasesofgenuineemergency(asdeterminedbyAccess)only.*Noliabilitywillbetakenforanymisinterpretation.

Emergency messaging service Intheeventofanemergency,accessviatelephonetomultilingualcustomerservicerepresentatives,whereabriefmessagecanbearrangedfordeliverytoafriend,relativeororganisation,bymeansoftelephone,faxorEmail.Fromanagreedtimethecustomerservicerepresentativewillmakeuptosix(6)attemptsatapproximatelyhourlyintervalstoconveythemessage,informingyoushouldthisfail.Charges:Theservicewillbefreeinthecasesofgenuineemergency(asdeterminedbyAccess)only.

Service responseEachrequestforanyserviceisdealtwithaccordingtoyourindividualrequirementsorcircumstancesandnormallyourcustomerservicesrepresentativeswillbeabletodealwithanyrequestswithin15minutesalthoughfortheInterpretationServicethismaybeupto30minutesdependingonthelanguagerequired.Disclaimer:Whileeveryeffortwillbemadetoensurethatalltheinformationservicesprovidecorrectinformation,Accessisreliant on many information sources some of which are outside our control and Access cannot be held liable for the accuracy ofthese.Pleasealsorefertoclause12oftheTermsandConditionscontainedinthisPDS.

doctorisnotavailable,interpretation(inaccordancewiththeEmergencyInterpretationServicesectiondetailedbelow)willbeprovidedbytelephone,betweenthedoctorandyou.Allinformationexchangedbetweenthedoctorandyouwillremainconfidential.

Shouldyouholdmedicalinsurance,andneedamedicalservice,advicewillbegivenoftheprocedurestocontactyourinsurers.Charges:Wherepaymentfortreatment,consultation,facilities,andservicesisrequired,youwillbeliableforcosts.

Emergency legal referral Youwillhaveaccesstothefollowinginformationformostmajorlocationsworldwide.Theinformationisprovidedwithoutgivinganyassuranceastothequalityofanyadvicewhichmaybeprovidedbythelawyersconcerned.Youwillbedirectlyliableforallcostsincurredifyouconsultalawyer,howeverEmergencyCash(uptotheavailablebalanceonyourCard)canbearranged,whereapplicable,ifrequested.Informationwillbeobtainedthroughlocalconsulateofficesandwill:•Detaillocation,address,telephonenumbersandopeninghours.Informationprovidedwillbeofaspecificnatureregardingtheabove,howeverwillnotrelatetomattersconcerningyourspecificorgenerallegalrequirements

•NotincluderecommendationsCharges:Noneforthereferralservice.Youwillbedirectlyliableforallcostsincurredifyouconsultalawyer.

Lost or stolen passport assistance Whereyourpassporthasbeeneitherlostorstolen,wecanadviseyouoftelephonenumbers,addressesandopeninghoursofthenearestconsulateorembassy.Charges:None.

Lost or stolen Card assistance AssistanceinreportingthelossortheftofcreditCards,chargeCardsordebitCardswhileyouareaway.TheCustomerServiceRepresentativewillprovideyouwiththerelevantcardschemecontacttelephonenumberstocallandinextremecaseswhereyoucannotmakecontactwiththeircardissuer,attemptswillbemadetoreportthelossonyourbehalf.Noresponsibilityistakenforensuringthatthecardissueractsuponthisreport.Inparticular,thecardissuermayrequiredirectnotificationfromyou.Thisserviceisnotavailableinrespectofstorecards,loyaltycards,affinitygroupcards,orothercardswhicharenotgeneral-purposepaymentcards.•Charges:None.

30 31

Identifier means information that you know but are not required to keepsecretandwhichyoumustprovidetoperformatransaction(forexample,acardnumber).Issuer meansHeritageBankLimitedABN32087652024AFSL/ACL240984,whichistheissueroftheCard.JP¥ meansthelawfulcurrencyofJapan.My Account means the internet site at www.cashpassport.com/multiwhichgivesaccesstoinformationabouttheCashPassportCardFundusingtheSecurityDetails(oranyotherinternetsitewenotifytoyouinreplacement).Multi-currency Cash Passport means the Multi-currency Cash Passport™ MasterCard®PrepaidCard.Negative Balance occurs in certain circumstances when your Card Fundisoverdrawn.(ForcertainEFTPOStransactions,merchantsareallowedtoprocesslowvaluetransactionswithoutauthorisingthetransactionthroughMasterCard®.Forexample,ifyouhadAU$30remainingonyourCardbutmadeanAU$50transactionatamerchantwhodidn’tauthorisethetransaction,youwouldhaveanAU$20NegativeBalance.YouareliableforanyNegativeBalance.)NZ$ meansthelawfulcurrencyofNewZealand.Online meanselectronicloadingandreloadingmethodsforCardsandincludes,butisnotlimitedtoBPAY®.Accessmaymakeotherformsofloadingandreloadingavailablefromtime-to-timeandthese methods will be published at www.cashpassport.com/multi.Personal Information istheinformationthattheIssuerandAccessandtheirrespectiveagentscollectfromyou,includinganyapplicationform,correspondence,emails,telephonecalls,internetcommunicationsandtransactionalinformation,inconnectionwiththeCard.PIN meansthepersonalidentificationnumberusedtoaccesstheCardServices.PDS meansProductDisclosureStatement.Secondary Card meansanadditional“Multi-currencyCashPassportMasterCardPrepaidCurrencyCard”(oranyreplacement)whichaccessestheCashPassportCardFund.Security Details meanstheinformationgivenbyyouwhenapplyingfortheCard(orforanSecondaryCard)orduringActivation,forthepurposesofverifyingyouridentity,oranychangesmadetothisinformation.Security Requirements means the Security Requirements at clause13“CardSecurity”.SG$ meansthelawfulcurrencyofSingapore.SMS meanstheShortMessagingServiceprovidedbyyourmobilephoneserviceprovider.TH฿ meansthelawfulcurrencyofThailand.Unauthorised Transaction means a transaction not authorised byyou,butdoesnotincludeanytransactioncarriedoutbyyou orbyanyoneperformingthetransactionwithyourknowledge andconsent.US$ meansthelawfulcurrencyofUnitedStatesofAmerica.we, us, our meanstheIssuerand,exceptwherethecontextindicatesadifferentintention,alsoincludesanyagentactingonbehalfoftheIssuer.you, your meansthepurchaseroftheCard.

1.2 AllamountsofmoneyspecifiedintheseTermsandConditionsareinAustraliandollars(unlessotherwisespecified).

1. Understanding these Terms and Conditions:1.1 IntheseTermsandConditions:

Access meansAccessPrepaidAustraliaPtyLimitedABN47145452044.Activate and Activation referstotheactivationoftheCardtoenableyoutousetheCardorSecondaryCard.ATM meansanautomatedtellermachine.AU$ meansthelawfulcurrencyofAustralia.BPAY® meansthe“BPAY”electronicpaymentsservicethroughwhich you can add additional funds to the Cash Passport CardFund.BPAY®ReloadmeansloadingadditionalfundsontotheCardpostsalethroughtheBPAY®serviceCA$ meansthelawfulcurrencyofCanada.Card meansthe“Multi-currencyCashPassportMasterCardPrepaidCurrencyCard”withATMaccessandEFTPOSfunctionalitystatedintheuserguideaccompanyingthisPDSincorporatingtheseTermsandConditionsandsuppliedtoyou.ReferencestotheCardinclude(whereconsistentwiththecontext)anySecondaryCard,theCarddetails,SecurityDetailsandPIN.Card Services meansanyservicesprovidedbyus(orbyserviceprovidersontheIssuer’sorAccess’behalf)inconnectionwiththeCardoranSecondaryCard.ItincludesAccess’interactivevoiceresponsesystem(availableinEnglish)andcallcentreaccessibleusingtheSecurityDetails,available24hoursadayonthetelephonenumberornumbersprovidedfromtime-to-time.Cash Passport Card Fund or Card Fund meanstheaggregateofallCurrencyrecordsmaintainedbytheIssuer(orbyserviceprovidersontheIssuer’sbehalf)ofthefundsloadedontoyourCard,ineachCurrencyandavailablefortransactionsusingtheCardinthatCurrency.Cash Passport Global Emergency Assistance or Global Emergency Assistance meansthoseservicessetoutatpage27ofthisPDS.Currency means,subjectalwaystoclause3.1below,anyoneormoreofAU$,CA$,EU€,GB£,HK$,JP¥,NZ$,SG$,TH฿,US$andanyadditionalcurrencythatwemaymakeavailableinconnectionwiththeCardfromtimetotime.Currency Conversion Fee hasthemeaningsetoutintheFeesandLimitssectionoftheuserguideaccompanyingthisPDS.Distribution Outlet meansanybranchofanorganisationwhichparticipatesintheCashPassportCardprogrammefromtime-to-timebydistributingCardsoracceptingloads/reloads.ePayments Code means the ePayments Code issued by the AustralianSecuritiesandInvestmentsCommissioninSeptember2011(asamendedfromtimetotime)whichregulatesconsumerelectronicpayments..EFTPOS meansElectronicFundsTransferatPointofSale.EU€ meansthelawfulcurrencyofEurozone.Fees and Limits Table means the fees and limits table set out on pages14,15,16and17ofthisPDS.GB£ meansthelawfulcurrencyofGreatBritain.GST meansanyformofgoodsandservicetaxorothervalueaddedtaxand,withoutlimitation,includesGSTasdefinedintheA New Tax System (Goods and Service Tax) Act 1999(Cth).HK$ meansthelawfulcurrencyofHongKong.

32 33

ordertomeetcustomeridentificationandknowyourcustomerrequirementssetbylaw,includingbyprovidinguswithsufficientinformationandproofinrelationtoyouridentity.Wemayatourdiscretionlimitapplicationcriteriatodriverslicenceand/orpassportholders of particular countries or by reference to particular types of identificationatoursolediscretionifwebelievethisisnecessaryforknowyourcustomerorduediligencepurposes.

3.10 Incertaincircumstanceswemayalsoaskyoutoprovideuswithadditionaldetails,includingbutnotlimitedtoyoursourceoffunds.Wemayaskyoutoprovideadditionalinformationinrelationtoyouridentityand/orsourceoffundsatanytimeduringthelifeof thisAgreement.

3.11 Wereservetherighttorefuseanapplicationatoursolediscretiononanylawfulgrounds,includingbutnotlimitedtowhereweareunabletosatisfyourselvesastoyouridentityorwhereyourprofileisinconsistentwithourcustomerprofilefortheCard.

3.12 Youmustprovideallinformationtouswhichwereasonablyrequireinordertomanageanti-moneylaunderingorcounter-terrorismfinancingandeconomicandtradesanctionsrisksortocomplywithanylawsorregulationsinAustraliaoranyothercountry.

4 Activation and expiry4.1 TheCardandanySecondaryCardisactivatedandreadytouse

withintwo(2)businesshoursofpurchaseunlesssuchotherperiodisnotifiedbytheDistributionOutletatthetimeofpurchase.

4.2 TheexpirydateisprintedonthefrontoftheCard.4.3 TheCardcannotbeusedafterithasexpired.However,youwillstill

beabletoobtainarefundoftheCashPassportCardFundbalance,lessanyapplicablefees(refertoFeesandLimitsTableandseeclause11below).

5 Use of the Card 5.1 TheCard(andanySecondaryCard)may,subjecttoanyapplicable

fee,beusedtowithdrawcashfromanATMdisplayingtheMasterCard®,Maestro® or Cirrus®AcceptanceMarkand/ortopayforgoodsandservicesatmerchants,oronline,whoacceptMasterCard®cardselectronically.PleasenotethattheCardisforelectronicuseonlyandcannotbeusedformanualorofflinetransactions.Inaddition,theCardmustnotbeusedforanyunlawfulactivity.YouagreetonevergiveyourCard,SecondaryCardorPINtoanotherperson.

5.2 Youmayalsobeabletoobtaincashoverthecounterthroughafinancialinstitution,suchasbanksorbureauxdechange,subjecttoafee.PleaseseetheFeesandLimitsTablefordetails.

5.3 WhenaCardisusedtopurchasefuelatanautomatedfuelpumptheCashPassportCardFundmusthaveaminimumcreditofAU$80(orforeigncurrencyequivalent).Inaddition,tomakeatelephonecalltheremustbeaminimumofAU$11(orforeigncurrencyequivalent).Ifyouspendlessthantheseminimumamountsanyunusedbalancemaybetemporarilyunavailable.

5.4 WhenaCardisusedatbarsorrestaurantsanadditionalpercentage(usually,butnotnecessarily,20%)maybeautomaticallyaddedasananticipatedservicechargeortipanddebitedtotheCashPassportCardFund.Ifyouractualservicechargeortipisless,anyunusedbalancemaybetemporarilyunavailable.

5.5 CertainbusinessesmaynotaccepttheCardasameansofpre-authorisingexpenditure.IftheCardisusedforthispurpose,somebusinesses(suchashotels,cruiselinesandcarrentalcompanies)maypre-authorisetheestimatedamountofthefinalbillandthisamountwilltemporarilybeunavailable.OnlytheactualamountofthefinalbillwillbedeductedfromtheCashPassportCardFund.

1.3 Referencestodays,timesorperiodsoftimeintheseTermsandConditionsarereckonedaccordingtoAustralianEasternStandardTime.

2 Introduction 2.1 TheseTermsandConditionsgoverntheuseoftheCardandany

SecondaryCard.2.2 YouagreetotheseTermsandConditionsbyanyofthefollowing

actions:signingthebackofaCard;usingaCard;authorisingaSecondaryCardtobeissuedoractivatingaCard(butthesearenottheonlywaysthatyoucanbetakentohaveagreedtobeboundbytheseTermsandConditions).

2.3 TheIssuerisasubscribertotheePaymentsCodeandwarrantsthatitwillcomplywiththeePaymentsCodeinitsdealingswithyourelatingtotheCardandtheCashPassportCardFund.

3 Issuing of Cards 3.1 TheCurrenciesavailableinrespectoftheCardmayvaryfromtime

totime.BeforeyoumakeadecisiontoacquiretheCard,pleasecheck with the Distribution Outlet or on www.cashpassport.com/multifordetailsoftheavailableCurrencies.IfweintroduceanewCurrencyandyouchoosetoallocatefundstothatnewCurrency,youwillbedeemedtohaveacknowledgedandagreedthat,unlessotherwisenotifiedtoyou,theseTermsandConditionsapplytosuchnewCurrency.

3.2 Subjecttoclause5.8,youareresponsiblefordeterminingtheamountheldforeachCurrencyandforensuringyouhavesufficientfundsforalltransactionsintherelevantCurrency.Subjecttocertainlimitsandsubjecttoafee(refertotheFeesandLimitsTable), youmayallocateyourfundsacrossdifferentCurrenciesvia www.cashpassport.com/multiand/orbysuchaddadditionalmethodsaswemaymakeavailabletoyoufromtimetotime.If youexperienceanydifficultiesinallocatingamountsvia www.cashpassport.com/multi then you may be able to allocate amountsviaaDistributionOutletorbytelephonethrough CardServices.

3.3 YoushouldmemorisethePINtopreventunauthoriseduseoftheCard.YoumustalsofollowtherulesonCardsecurity(Seeclause13below)

3.4 TheCard(andanySecondaryCard)istheIssuer’sproperty.TheIssuermaysuspenduseoftheCard(andanySecondaryCard)and/oraskthatyoureturntheCard(andanySecondaryCard)iftheIssuerbelievesthereisagoodreasontodoso(Seeclause17.2below).YoumustensurethattheCard(andanySecondaryCard)ispromptlyreturnedtotheIssuerifitasksyoutodoso.

3.5 TheCardisnotacreditcardand,subjecttotheCashPassportCardFundbecomingoverdrawn,alluseislimitedtotheamountpre-loadedandstandingtothecreditoftheCashPassportCardFundandanyotherlimitsreferredtointheseTermsandConditions.

3.6 ThereisnointerestpayabletoyouonthecreditbalanceoftheCashPassportCardFund.

3.7 AmountscanbeaddedtotheCashPassportCardFundonlyasspecificallyprovidedintheseTermsandConditions.

3.8 TheCashPassportCardFunddoesnotamounttoadepositwiththeIssuerandtheamountstandingtothecreditoftheCashPassport Card Fund does not count as an amount or deposit foranypurpose,otherthanasdescribedinthetheseTerms andConditions.

3.9 TheissuanceofaCardissubjecttoyousatisfyingtherelevantapplicationcriteria,asdeterminedbyusfromtimetotimein

34 35

theUnitedStatesOfficeofForeignAssetsControl,UnitedNations,theEuropeanUnionoranycountry;or

(c)maydirectlyorindirectlyinvolvetheproceedsof,orbeappliedforthepurposesof,anyunlawfulconduct.

6 Card limits 6.1MostATMoperatorslimittheminimumandmaximumamounts

thatcanbeobtainedinasingletransaction.Theseamountsmayalsobelimited(insomecountries)byregulatorycontrols.

6.2OtherlimitsarealsoapplicabletotheuseoftheCard(andanySecondaryCard),assetoutintheFeesandLimitsTable.Seepages14,15,16and17ofthisPDS.

7 Secondary Cards 7.1 OneSecondaryCardwillbeprovidedtoyoufreeofchargeatthe

timeyoupurchasetheCard.YoushouldnevergiveyourSecondaryCardorPINtoanotherperson.

7.2 TheSecondaryCardisusedinthesamewayasthemainCard andcanbeusedtoload/reloadamountstotheCashPassport CardFund.

7.3 Youcande-activateanSecondaryCardatanytimebycontactingAccessviathenumbersonthebackofyourCardorsetoutelsewhere in this document or as set out at www.cashpassport.com/multi.

7.4 YouwillberesponsibleforanytransactionsmadewithanySecondaryCardandforensuringthataSecondaryisusedinaccordancewiththeseTermsandConditions.

7.5 TheSecondaryCardisprovidedtoyouforyouruseasabackupintheeventtheCardislostorunabletobeused.TheSecondaryCardisforyouruseonlyanditanditssecurityPINshouldnotbeprovidedtoanyoneelse.

8 Cash Passport Card Fund 8.1 UntiltheexpiryoftheCardyoucanaddadditionalfundstoeach

CurrencythroughaDistributionOutlet(whowilladviseyouoftheacceptablemethodsofpayment),throughBPAY®,orthroughothermethodsmadeavailablefromtime-to-timewhicharesetoutat www.cashpassport.com/multi,subjecttocertainlimitsandsubjecttoafee(refertotheFeesandLimitsTable).Theremaybeadelay(usuallynomorethan2businessdaysifthepaymentismadebefore2pmAustralianEasternStandardTime)beforefundsaddedtotheCashPassportCardFundviaOnlineReloadmethodsareavailableforuse.BPAY® reloads will be allocated to your current defaultreloadCurrency.ThedefaultreloadCurrencywillinitiallybeAU$,howeveryoucanchangeyourdefaultBPAY® reload Currency onlineviawww.cashpassport.com/multi.

PleasenotethatyoucanonlyhaveonedefaultreloadCurrencyatatime.IfyousendaBPAY®reloadandthenchangeyourdefaultreloadCurrencybeforewereceiveyourBPAY® payment we will apply your reload to the Currency that is set as your default reload Currencyatthetimeweprocessyourreload.

Via‘My Account’youareableto: (a)changesomeofyourpersonaldetails; (b)allocateyourfundsacrossdifferentCurrencies; (c)checkthebalances;and (d)checkyourCardtransactions.8.2 Asbestasyoucan,memoriseyourPIN.Thisisveryimportantas

youcannotchangethePINissuedwithyourCards.Forsecuritypurposes,youshouldnotkeepyourPINwrittenanywherenearyourCards.IfyouforgetyourPIN,youcanobtainaPINreminderbycallingAccessandansweringthesecurityquestionsyousupplied

5.6 WhenaCardisusedtopurchasegoodsfordeliverybymailoronlineanadditional10%maybeautomaticallyaddedasananticipateddeliverycharge.Iftheactualdeliverychargeisless,anyunuseddifferencemaybetemporarilyunavailable.

5.7 Subjecttotheapplicationofclauses5.8and10.4,theapplicableCurrency balance (and therefore the total Cash Passport Card Fund)willbedebitedwiththeamountofeachcashwithdrawalortransaction and any fee and these debits will reduce the balance of the applicable Currency (and therefore the total Cash Passport CardFund).Eachtransactionwillrequireauthorisationorvalidationbeforecompletion.

5.8 IfthereareinsufficientfundsinaparticularCurrencytopayforatransaction,thebalanceofthetransactionwillbeautomaticallyprocessedusingotherCurrenciesinthefollowingorderofpriority:AU$,US$,EU€,GB£,NZ$,TH฿,CA$,HK$,JP¥,SG$.IffollowingtheuseoftheavailablebalancesofallCurrenciestherearestillinsufficientfundstopayforatransaction,theCardmaybedeclinedor the retailer may allow you to pay the balance by some other means.IfweaddanynewcurrenciestotheCurrenciesavailabletoyouinconnectionwiththeCard,thenwewillnotifyyouoftheneworderofpriorityforthepurposesofthisclause5.8eitherdirectlyorthrough‘My Account’and/or

5.9 YouagreetoacceptacredittoyourCardintheapplicableCurrencyif you are entitled to a refund or other credit for any reason for goodsorservicespurchasedusingtheCard.

5.10 AtransactionorpaymentcannotbestoppedonceyouauthorisetheuseoftheCard(orSecondaryCard).

5.11 TheATMsandpointofsaleterminalsarenotownedoroperatedbytheIssuerorAccessandtheIssuerandAccessarenotresponsibleforensuringthattheywillaccepttheCard.

5.12 Youmustcomplywithalllawsandregulations(includinganyforeignexchangecontrols)inrespectoftheCardinthecountryofpurchaseand/oruse.

5.13 BysuccessfullyapplyingforandusingtheCard,youacknowledgeandconsentthatwedonotprovideandyouwillnotreceivepaperstatements.ElectronicstatementsshowingtheCard’stransactionsandCashPassportCardFundbalanceareavailableforviewingandprintingthrough‘My Account’ at www.cashpassport.com/multi.

5.14 Ifapersonreportsthatamistakenpaymenthasbeenmadefromtheperson’saccounttoyourCard,youagreethat:

(a)wemayinformthatperson’sfinancialinstitutionwhetherornotyourCardhassufficientcreditfundstocoverthemistakenpayment;and

(b)freezethosefunds,ordebitthosefundsfromyourCardwherewearerequiredtodosoundertheePaymentsCode.

5.15 Whererequiredbyrelevantlaw,forexamplewhereyouappeartobea“proscribedperson”,youacknowledgethatwemayberequiredtoblockaccesstotheCardand/orCardFundandimmediately refuse to process or complete any transaction or suspendorterminateourarrangementswithyou.Youagreethatunderthesecircumstancesweareundernoliabilitytoyou.

5.16 Youagreethatwemaydelay,blockorrefusetoprocessanytransactionwithoutincurringanyliabilityifwesuspectthatthetransaction:

(a)maybreachanylawsorregulationsinAustraliaorinanyothercountry;

(b)involvesanyperson(natural,corporateorgovernmental)thatisitselfsanctionedorisconnected,directlyorindirectly,toanypersonthat is sanctioned under economic and trade sanctions imposed by

36 37

inAU$Currency.IfthereareinsufficientfundsinAU$Currencytopaysuchfees,thenwewillautomati¬callydeductfundsfromotherCurrenciesinthefollowingorderofpriority:AU$,US$,EU€,GB£,NZ$,TH฿,CA$,HK$,JP¥,SG$.Anysuchdeductionoffundsmaybesubjecttoafee(refertotheFeesandLimitsTable),IfwemakeadditionalcurrenciesavailabletoyouinconnectionwiththeCard,then we will notify you of the new order of priority for the purposes ofthisclause9.1eitherdirectlyorthrough‘My Account’and/orwww.cashpassport.com/multi.

9.2 CertainmerchantsmaychargeanadditionalfeeiftheCardisusedtopurchasegoodsand/orservices.Thefeeisdeterminedandchargedbythemerchantandisnotretainedbyus.

9.3 IfthereisnocreditbalanceontheCashPassportCardFundfollowingthedebitofanymonthlyinactivityfee(refertotheFeesandLimitsTable,ifthebalanceislessthanthefeewewillwaivethedifference)andtheCardhasexpired,wewillautomaticallyclosetheCashPassportCardFund.

9.4 TheCardisintendedtobeusedasatravelmoneycardandnottomakewithdrawalsfromATMsinAustralia.IfyouuseyourCardtowithdrawfromanATMinAustralia,youwillbechargedafeeandthiswillbedebitedfromyourCashPassportCardFund.PleaserefertoFees&LimitsTableandtheDomesticATMwithdrawalfee.

9.5 IfanyamountpayableunderthisPDSrepresentsconsiderationforataxablesupply,thenthoseamountsshallbetakentobeinclusiveofGST.

10 Foreign currency transactions 10.1 Thereareseveninstanceswhereaforeignexchangerate

willapply: i)Initialloadorin-branchreloadwhereyouallocatefundsina

foreignCurrency(i.e.inacurrencyotherthanAU$); ii)BPAY®Reloads,orOnlinereloadswhereyouallocatefundsina

foreignCurrency(i.e.inacurrencyotherthanAU$); iii)Pointofsaletransactionswherethetransactionisinacurrency

thatisnotoneoftheCurrenciesavailableontheCard(includinganytransactionwherewedeductfundsunderclause5.8aboveduetoinsufficientfunds);

iv)ATMwithdrawalswherethelocalcurrencyisnotoneoftheCurrenciesavailableontheCard,orwherethereisaninsufficientavailablebalanceintherelevantCurrency;

v)WhereyouallocatefundsfromoneCurrencytoadifferentCurrency;

vi)WhereweallocatefundsfromoneCurrencytoadifferentCurrencyinaccordancewiththeseTermsandConditions;and

vii)WhereyoucloseaCard,orrequestrepaymentofthebalanceofaCardunderclause11.2below,thathasfundsinaforeignCurrency(i.e.inacurrencyotherthanAU$).

Themethodforcalculatingtheforeignexchangerateforeachscenarioisassetoutbelow.

10.2 Theforeignexchangerateusedforinitialloadsandin-branchreloadsvariesbyDistributionOutlet.YoucanasktheDistributionOutletfortheexchangeratebeforehand.Foreignexchangeratesaresubjecttovariationandtheratethatappliesonedaywillnotnecessarilybethesameonanyotherday.

10.3 TheforeignexchangeratesusedforBPAY® Reloads is set and determinedbyAccessandvarieseachday.YoucanobtainthisexchangeratebycontactingAccess.

10.4 IfanATMwithdrawalorpointofsaletransactionismadeinacurrencywhichisdifferenttoanyoftheavailableCurrencies,or

onyourapplicationorbygoingto‘My Account’andfollowingtheprompts at www.cashpassport.com/multiatanytime.

8.3 YoumayalsobeabletomakeabalanceenquiryatsomeATMsalthoughavailabilityisdependentonthecountryandtheATMused.Theremaybeafeepayable(totheATMoperator)forbalanceenquiries.

8.4 IfanATMdisplaysabalancefortheCashPassportCardFund,thenthismaybedisplayedinAU$orinadifferentcurrency,inwhichcasetheexchangerateappliedmaybedifferenttooursandminordiscrepanciescanarise.AnATMwillnotdisplayabalanceforeachCurrency.AnaccuratebalanceforeachCurrencycanbeobtainedthroughAccessorthrough‘My Account’ at www.cashpassport.com/multi.

8.5 Informationsentovertheinternetmaynotbecompletelysecureand the internet and the online systems are not controlled or ownedbytheIssuerorAccesssoneithertheIssuernorAccesscanguaranteethattheywillfunctionatalltimesandtheIssuerandAccessacceptnoliabilityforunavailabilityorinterruptionorfortheinterceptionorlossofPersonalInformationorotherdata.

8.6 Statementswillbeissuedtoyouperiodicallyat6monthlyintervals.YoucanaskAccessforapaperstatementtobepostedtoyououtsidethenormalstatementcyclealthoughtheremaybeafeeforthis.YoushouldcarefullycheckallstatementsforanydiscrepanciesandnotifyAccessimmediatelyifyoubelievethereisanydiscrepancyinanystatement.

8.7 TheCashPassportCardFundcanonlybeusedifitisincredit.IfaparticularCurrencybecomesoverdrawn,andaNegativeBalancearises,followinganytransactionauthorisedbyyou,theresultingdebit balance immediately becomes a debt payable by you to the IssuerandweretaintherighttorecoverthisdebtbydeductingfundsheldinanotherCurrency.WhenweconverttheNegativeBalanceintotherelevantCurrencywewillusethesameratethatweuseforCurrencytoCurrencyallocationsonthegivendayweprocessthetransaction.IfnotwithstandinganysuchdeductionaNegativeBalanceremains,theresultingdebitbalanceimmediatelybecomesadebtpayablebyyoutotheIssuer.ANegativeBalanceFeemayalsobepayableifaparticularCurrencyand/ortheCashPassportCardFundbecomesoverdrawn(seeFeesandLimitsTable).IftheCashPassportCardFunddoesbecomeoverdrawn,everyattemptshouldbemade,byyoutostopsubsequenttransactions.

8.8 IfwenoticeanerrorintheCashPassportCardFundthatisourfaultwewillcorrectitwithin5businessdaysofbecomingawareoftheerror.

8.9 IfyounoticeanyerrorinanytransactionintheCashPassportCardFundthenyoumustnotifyAccessimmediatelyandinanyeventwithin30businessdaysofthetransactioninquestion.AccessortheIssuermayrequestyoutoprovideadditionalwritteninformationconcerninganyerrorandyoumustcomplywiththatrequest.

8.10 Providedthatyouhavecompliedwithallreasonablerequestsforinformationwewillcorrecttheerrorifitisouroranyofourserviceproviders’fault.Ifwedecideitisnotourfaultwewillno¬tifyyouinwritingorbyemailassoonasthisdecisionismade.Wherewearerequiredtodoso,wenormallyre-credittheCashPassportCardFundwithin10businessdays,althoughtheremaybeadelaywhileinvestigationsarecompleted.

9 Fees 9.1 YouagreetopayandauthoriseustodebittheCashPassportCard

FundforthefeessetoutintheFeesandLimitsTable.Thesefeesmay be debited from the Cash Passport Card Fund as soon as they areincurred.Unlessotherwisespecified,allfeeswillbedebited

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(b)theIssuerisnotliableforanyliabilityorlossarisinginconnectionwiththeusebyyouoftheGlobalEmergencyAssistanceservicesorbecauseoftheGlobalEmergencyAssistanceservicesbeingunavailableordiscontinued;(c)youcannotmakeanycomplainttotheIssuerabouttheGlobalEmergencyAssistanceservices;and(d)youdonotrelyontheGlobalEmergencyAssistanceservicesbeingavailable,beingsuitableforanypurposeorbeingprovidedtoanyparticularstandardindecidingtopurchasetheCard.

13 Card security 13.1 YoumustmakesurethatyoukeeptheCard,anySecondaryCard,

theSecurityDetailsandanyPINssafeandsecure.Theprecautionswe require you to take (Security Requirements)aresetoutbelow.

Youmustnot:(a)allowanyoneelsetousetheCardoranyoneelsetousetheSecondaryCard;(b)interferewithanymagneticstripeorintegratedcircuitontheCardorSecondaryCard;(c)unnecessarilydisclosetheCardorSecondaryCardnumber;(d)writethePINontheCardorSecondaryCard;(e)recordthePINonanythingcarriedwiththeCardorSecondaryCardoronanythingliabletolossortheftsimultaneouslywiththeCardorSecondaryCard,unlessyoumakeareasonableattempttoprotectthesecurityofthePIN;(f)voluntarilydisclosethePINtoanyone,includingafamilymemberorfriend;or(g)actwithextremecarelessnessinfailingtoprotectthesecurityofaPIN.

13.2 Youmustcomplywithanyinstructionswegiveaboutkeeping theCard,anySecondaryCardandanySecurityDetailssafe andsecure.

13.3 TheCardwillbedisabledifanincorrectPINisenteredthreesuccessivetimes.IftheCardisdisabled,pleasecontactAccesstoreactivatetheCard.Theremaybeadelay(usually24hours)inreactivatingadisabledCard.

14 Loss, theft and misuse of Cards 14.1 6.703mmIfyouknoworhavereasontosuspectthattheCardis

lostorstolenordamaged,likelytobemisusedoryouhavereasontosuspectthatsomeoneelsemayknowthePINorSecurityDetails,youmustimmediatelynotifyAccess.WewillthensuspendtherelevantCardand/orSecondaryCardtorestrictfurtheruse.

14.2 Youmayberequiredtoconfirmdetailsoftheloss,theftormisuseinwriting(andtoprovideparticularinformationintheconfirmation)andyoumustcomplywiththatrequirement.

14.3 YoumustassistusandthepoliceinanyenquiriesandattemptstorecoveralostorstolenCardorSecondaryCard.

14.4 IfanylostCardorSecondaryCardissubsequentlyfounditmustnotbeusedunlessAccessconfirmsitmaybeused.

15 Liability for Unauthorised Transactions 15.1 YourliabilityforlossesarisingfromUnauthorisedTransactionswill

bedeterminedundertheePaymentsCode.15.2 YouwillnotbeliableforlossesresultingfromUnauthorised

Transactionswhereitisclearthatyouhavenotcontributedto theloss.

15.3 YouwillnotbeliableforlossesresultingfromUnauthorisedTransactionsthatarecausedbythefraudulentornegligent

exceedstherelevantavailableCurrencybalance,onyourCard,theamountwillbefundedbyconvertingthetransactionamountintothenextavailableCurrencybalanceonyourCardinthefollowingorderofpriority:AU$,US$,EU€,GB£,NZ$,TH฿,CA$,HK$,JP¥andSG$.TheforeignexchangerateusedistheratedeterminedbyMasterCard®tobethewholesalerateorthegovernmentmandated rate in effect on the day the transaction is processed by MasterCard,plusamarginapplies(seeFees&LimitsTable).

10.5 TheforeignexchangerateusedforallocatingfundsfromoneCurrency to another Currency is set and determined by Access and varieseachday.ACurrencyConversionFeealsoapplies(seeFeesandLimitsTable).

10.6 WhereyoucloseaCard,orrequestrepaymentofthebalanceofaCardunderclause11.2below,thathasfundsinaforeignCurrency(i.e.inacurrencyotherthanAU$),wewillconvertthesefundsintoAU$Currency.TheforeignexchangerateusedforthisissetanddeterminedbyAccessandvarieseachday.ACurrencyConversionFeealsoapplies(seeFees&LimitsTable).IfyouwishtoconfirmtheforeignexchangeratesbeforeyoucloseyourCardyoucancalluson1800098231.

11 Closing the Cash Passport Card Fund 11.1 TheCashPassportCardFundcontinuesuntilyouasktocloseitor

it is closed by us in accordance with these Terms and Conditions (whicheveristheearlier),eveniftheCardhasexpired.

11.2 AtanytimebeforetheCardhasexpired,youmaybeabletoarrangethroughtheDistributionOutlet,orAccess,forpaymentinAustraliandollarsofanycreditbalanceremainingintheCashPassportCardFund.DependingonwhichDistributionOutletyouattendinordertocloseyourCashPassportCardFund,therelevantamount will either be paid to you in cash or deposited into your nominatedbankaccount(atoursolediscretion).IfyouexperienceanydifficultyinobtainingthisbalancethroughtheDistributionOutletoriftheCardhasexpiredthencontactAccess.Thecreditbalanceavailabletoyouwillnotincludeuncancelledpre-authorisedor‘held’amounts(seeclause5above),althoughthesesumswillbemadeavailabletoyouoncethepre-authorisationhasbeencancelledorthe‘held’amountsreleasedandtherelevantamountsre-creditedtotheCashPassportCardFund.

11.3 OncetheCardisclosed,youmustdestroytheCardandanySecondaryCardsbycuttingit(orthem)inhalfdiagonally,ensuringtheChipisdestroyed,anddisposingofit(orthem)securely.

12 Cash Passport Global Emergency Assistance 12.1 YouareentitledtoGlobalEmergencyAssistancefromActivation

untilexpiryorclosureoftheCard.GlobalEmergencyAssistanceservicesareprovidedbyAccess.

12.2 TheGlobalEmergencyAssistanceservicesareavailabletoyou,yourpartnerandchildrenunder16yearsofage.

12.3 TheIssuerarrangesfortheGlobalEmergencyAssistanceservicestobeprovidedandisnottheprovider.TheIssuerdoesnotpromisethattheGlobalEmergencyAssistanceserviceswill:

(a)alwaysbeavailable; (b)besuitableforanypurpose;or (c)beprovidedtoanyparticularstandard.12.4 Youacknowledgethatanychangesto,ordiscontinuanceof,the

GlobalEmergencyAssistanceservicescanoccurwithouttheIssuer’sparticipation.

12.5 Youalsoacknowledgeandagreethat:(a)theGlobalEmergencyAssistanceservicesareusedatyour ownrisk;

40 41

15.8 ForCardtransactionsthatdon’tneedaPIN,you’renotliableforanyUnauthorisedTransactionsunlessyouhaveunreasonablydelayednotifyingusoftheloss,theftorunauthoriseduseof theCard.

15.9 Todisputeatransaction(s)onyourCardcompletethe‘DisputeClaimForm’andfaxto+441733502370.Toobtainthe‘DisputeClaimForm’pleasevisitwww.cashpassport.com/ multi.

16 Replacement Cards 16.1 IftheCardislost,stolenordamagedwhileyouareinAustralia,you

canrequestareplacementbycontactingAccesson1800098231.Replacement Cards are sent to you at your nominated address by standardpost.

16.2 IftheCardislost,stolenordamagedwhileyouareoverseasyoucanrequestareplacementbycontactingAccesson+442076499404.ReplacementCardscanbedeliveredtoyou,dependingonyourlocationandavailability.Accessmayarrangeforfundstobemadeavailablefromvariousworld-wideoutlets,ortosendfundsdirectlytoyou,inplaceofdeliveringareplacementCard.

17 Ending of the Agreement 17.1 YoumayendthisAgreementatanytimebyeithersubmittingyour

requestonlineviatheAccesswebsitewww.cashpassport.com/multi orcontactingusforassistanceandtheCashPassportCardFundwillsubsequentlybeclosed(seeclause11above).

17.2 TheIssuermay,withorwithoutnoticeandwithoutincurringanyliabilitytoyou,askforthereturnoftheCard,cancelorsuspenditsuseand/orendthisAgreementifithasgoodreasontodoso,includingbutnotlimitedif:(a)theIssuerconsiderstheCardhasbeenorislikelytobemisused;(b)youbreachanyoftheseTermsandConditions;(c)theIssuersuspectsanyillegaluseoftheCard;or(d)yougavetheIssuer,AccessortheDistributionOutletfalse,inaccurateorincompleteinformationwhenyouappliedfortheCard.

17.3 TheIssuermayendthisAgreementforanyotherreason,orwithoutassigningareason,bygivingyouatleast30days’notice.

17.4 IftheCardisclosed,wewillrefundanycreditintheCashPassportCardFund(lessanyfees,seeclause11aboveformoreinformation).

18 Changing the Terms and Conditions 18.1 WemaychangetheseTermsandConditions(includingbringingin

newfees,changesinthefeesorlimitsandtheservicesweoffer)atourdiscretionbygivingyouatleast20days’notice(seeclause21belowfordetailsofhowwewillcommunicatewithyou).

18.2 WewillnotbeinbreachoftheseTermsandConditionsifwetakenecessaryactioninordertomakeachangenecessitatedbyanimmediate need to restore or maintain the security of the system or theCashPassportCardFund.

19 Your Personal Information (important information about your privacy)

19.1 BypurchasingtheCardyouconsenttotheIssuer,AccessandtheDistributionOutletcollecting,usinganddisclosingyourPersonalInformationundertheseTermsandConditions.IfyoudonotagreetoourdoingsothenwecannotmaketheCardfacilityavailabletoyouandyoushouldnotpurchasetheCard.

19.2 Youmustnotifyusimmediatelyofanychangetoyouraddressandothercontactdetailsbyaccessing‘My Account’andtypingtherelevantchangesyourselforbycontactingAccess.Youshouldalso

conductof:(a)ourstafforagents;or(b)companiesinvolvedinnetworkingarrangements,or(c)merchantswhoarelinkedtotheelectronicfundstransfersystemortheiragentsoremployees.15.4YouwillnotbeliablewhenUnauthorisedTransactions:(a)happenwithaCardorSecondaryCardafternotificationtousthattheCardorSecondaryCardhasbeenmisused,lostorstolenorthatthesecurityoftherelevantPINhasbeenbreached;(b)happenbeforeyoureceiveaCardand/orPIN(includingareissuedCardand/orPIN);(c)aremadewithforged,faulty,expiredorcancelledCards,IdentifiersorPINS(asapplicable);(d)aretheresultofthesametransactionbeingincorrectlydebitedmorethanoncetothesameCashPassportCardFund;or(e)aremadeusinganIdentifierwithoutaCardorPIN.

15.5 WherewecanproveonthebalanceofprobabilitythatyouhavecontributedtothelossescausedbyanUnauthorisedTransaction:

(a)throughyourfraud;or (b)byfailingtocomplywiththeSecurityRequirements,thenyou

areliablefortheactuallosseswhichoccurbeforewearenotifiedoftheloss,theftormisuseofyourPINorCardorabreachoftheSecurityRequirements.

However,youwillnotbeliableforanylossonanyday,orinanyperiod,exceedinganyapplicabletransactionlimitforthatdayorperiodandyouwillnotbeliableforlossinexcessofthebalanceoftheCashPassportCardFundavailablefortransactionsusingtheCard(orSecondaryCard).

IfyouleaveyourCardinanATM,youwillbeliableforall losses arisingfromUnauthorisedTransactionsinrelationtoyourCardaslongastheATMincorporatesreasonablesafetystandardsthatlessentheriskofyourCardbeingleftintheATM(e.g.ATMsthatcapturecardsthataren’tremovedorwhichrequireausertoswipeandthenremoveacardbeforecommencingthetransaction).

15.6 YouwillbeliableforlossesresultingfromUnauthorisedTransactionswherewecanproveonthebalanceofprobabilitythatyouhavecontributedtothelossesthroughunreasonablydelayingnotificationofthemisuse,lossortheftofaCard(orSecondaryCard)orthatthesecurityoftherelevantPINhasbeenbreached.Yourliabilityinthiscaseislimitedtolossesoccurringbetweenthetimethatyoubecameawareofthesecuritycompromise,orshouldreasonablyhavebecomeawareinthecaseofalostorstolenCard,butyouwillnotbeliableforanylossonanyday,orinanyperiod,exceedinganyapplicabletransactionlimitforthatdayorperiodandyouwillnotbeliableforlossinexcessofthebalanceoftheCashPassportCardFundavailablefortransactionsusingtheCard(orSecondaryCard).

15.7 IfitisunclearwhetherornotyoucontributedtothelosscausedbyanUnauthorisedTransactionthatrequiredaPIN,theamountofyourliabilitywillbelimitedtotheleastof:

•AUD150; •theactuallossatthetimewe’renotifiedthatthesecurityofthe

PINwasbreachedortheCardhasbeenlost,stolenorusedwithout your permission (limited by the applicable daily or period transactionlimitsovertherelevanttimeframe);or

•thebalanceoftheCashPassportCardFundavailablefortransactionsusingtheCard(orSecondaryCard).

42 43

contactAccessifyouchangeyourname.Wewillnotberesponsibleifyoudonotreceiveanynoticeorcorrespondencethathasbeensentinaccordancewiththecontactdetailsyouhaveprovidedtous.

19.3 YoumayberequiredtoprovideinformationtotheIssuer,AccessortheDistributionOutlet(includingevidenceofidentity)whenpurchasingtheCardoraddingadditionalfundstotheCard.

19.4 TheIssuerwilltakeallreasonableprecautionstokeepPersonalInformationsecureandprotectitunderitsprivacypolicy.AprivacystatementwhichsetsouttheIssuer’sandAccess’jointprivacypolicy in relation to the Card was contained in your application form fortheCard.

19.5 YourPersonalInformationmaybedisclosedbytheIssuerorAccesstothirdpartiestofacilitatetheprovisionoftheCardServices,tomonitorcompliancewiththeseTermsandConditionsandforanti-moneylaundering,detectionofcrime,legalcomplianceandfraudpreventionpurposes.TheIssuerorAccessmayalsodisclosePersonalInformationtocollectionagenciesandlawyersintheeventthatweseektorecoveranymoneythatyouoweundertheseTermsandConditions.

19.6 Inaddition,bysuccessfullyapplyingforaCashPassportCard,youareconsentingtoAccessusingyourpersonalinformationtonotifyyouofourrelatedproducts,promotionsandcustomersurveysthatwemayconductfromtime-to-time.Youcanelecttonotreceivefurthernotificationsbyemailingusatunsubscribe@accessprepaidww.com,orbymailto:AccessPrepaidAustraliaPtyLimited,Level6,165WalkerStreet,NorthSydney,NSW,2060orbytelephone1800098231.YoualsoconsenttoussendingSMS’stoyourmobilephonetoadviseyouofCardfeaturesorinformationrelevanttoyourCard,suchaslowbalancealerts.IfyouhaveprovideduswithyourmobilephonenumberwemayalsosendyoulowbalanceandotherCardrelatedalertsviaSMS.Seeclause23belowfordetailsonSMSMessaging.

19.7 YourPersonalInformationwillbeprocessedoutsideAustraliabutallserviceprovidersarerequiredtohaveadequatesafeguardsinplacetoprotectyourPersonalInformation.

19.8 YourPersonalInformationwillnotbesharedorusedforanyotherpurposeexceptasstatedaboveunlesswearerequiredorpermittedtodosoasaresultofanygovernmentlawsandregulations,byacourtorderorbyanybusinessorpersonstowhomwetransferourrightsandobligationsundertheagreementbetweenyouandtheIssuerwhichisgovernedbytheseTerms andConditions.

19.9 WewillcontinuetokeepsuchofyourPersonalInformationthatisnecessaryaftertheexpiryoftheCardorclosureofyourCashPassportCardFundonthesametermsasaresetoutabove.

19.10YouareentitledtoaskAccessortheIssuertosupplyyouwithanyPersonalInformationthatweholdaboutyou.Youmustsubmityourrequestinwriting.WewilldeleteanyincorrectinformationorcorrectanyerrorsinanyofyourPersonalInformationthatcometo ournotice.

19.11ToaidusintheprovisionoftheservicesprovidedundertheseTermsandConditions,intheinterestsofsecurity,andtohelptheIssuerandAccessmaintainandtoimprovetheirlevelofservice,alltelephonecallsmayberecordedand/ormonitored.

19.12Youagreethatwemaydiscloseanyinformationconcerningyouto: (a)anylawenforcement,regulatoryagencyorcourtwhererequired byanysuchlaworregulationinAustraliaorelsewhere;and (b)anypersonweusetomakepaymentforthepurposeof

compliancewithanysuchlaworregulation.

20 Our liability 20.1 Wewillnotbeliabletoyouforanylossdueto:

(a)anyinstructionsgivenbyyounotbeingsufficientlyclear;(b)anyfailurebyyoutoprovidecorrectinformation;(c)anyfailureduetoeventsoutsideourreasonablecontrol;(d)anyindustrialdispute;(e)anyATMrefusingtoorbeingunabletoaccepttheCard;(f)thewayinwhichanyrefusaltoaccepttheCardiscommunicatedtoyou;(g)anyindirect,specialorconsequentiallosses;(h)anyinfringementbyyouofanycurrencylawsinthecountrywheretheCardorSecondaryCardisissuedorused;(i)anydisputebetweenyouandthesupplierofanygoodsand/orservicespurchasedwiththeCard;(j)ourtakinganyactionrequiredbyanygovernment,federalorstatelaworregulationorcourtorder;or(k)anythingspecificallyexcludedorlimitedelsewhereintheseTermsandConditions.

20.2 Youarenotliableforanylosscausedbythefailureofasystemorequipmentprovidedbyanypartytoasharedelectronicnetworkto complete a transaction accepted by the system or equipment in accordancewithyourinstructions.However,ifyouwereaware,orshouldreasonablyhavebeenaware,thatthesystemorequipmentwasunavailableormalfunctioning,ourresponsibilitywillbe limitedto:

(a)correctinganyerrors;and (b)refundinganychargesorfeesimposedasaresult.20.3 LiabilityforUnauthorisedTransactionswillbedeterminedaccording

totheePaymentsCode(seeclause15above).20.4 Ifyouareaconsumer,asdefinedbyPart2oftheAustralian

SecuritiesandInvestmentsCommissionAct2001,oranysimilarapplicablelaw,theseTermsandConditionsmayincludeimpliedguarantees,conditionsandwarranties.YoushouldnotinterpretanythingintheseTermsandConditionsasexcluding,restrictingormodifyinganyguarantee,conditionorwarrantywhichisimpliedbytheAustralianConsumerLaw.WhereweareliableforabreachoftheseTermsandConditions,thenourliabilityislimitedto:

(a)thesupplyingoftheservicesagain;or (b)thepaymentofthecostofhavingtheservicessuppliedagain.20.5 TheDistributionOutletisonlyauthorisedbytheIssuerorAccessto

providetheservicesexplainedintheProductDisclosureStatementinwhichtheseTermsandConditionsareprinted.TheIssuerand/orAccess is not responsible for and accepts no liability for any other goodsorservicesthatmaybeofferedorprovidedtoyoubytheDistributionOutlet.

20.6 TheIssuerdoesnotmaintainthewebsitethroughwhich‘My Account’isaccessible.YouagreethattheIssuerisnotresponsibleforanycontentonthatwebsiteotherthaninformationrelatingspecificallytoyou,theCashPassportCardFundoryourCard.

21 Communications 21.1 Youagreethatwemaygivewrittennoticesorother

communications to you under or in connection with these Terms andConditionseither:(a)bywritingtoyouatyourresidentialorpostaladdresslastknowntous;

44 45

(b)bygivingittoyoupersonallyorleavingitatyourresidentialorpostaladdresslastknowntous;(c)byelectroniccommunicationtoyouremailaddressorfaxnumberlastknowntousorwhichyoulastgaveusforsendingnoticesandcommunicationstoyou;or(d)ifthenoticeorcommunicationisnotpersonaltoyou–bypublishinganoticeinanewspapercirculatingnationallyinAustraliaorbypostingonwww.cashpassport.com/multi.

21.2 ForthepurposeofgivingyouinformationthatwearerequiredtoprovideundertheePaymentsCode.(ThisincludesstatementsofCardFund.Itdoesnot,however,coveranyinformationthatwewanttoprovidetoyouthatisnotrequiredbytheePaymentsCodetobeprovidedtoyou):(a)wewillonlydosobyelectroniccommunicationifyouhavemadeaspecificpositiveelectiontoacceptelectroniccommunications;(b)youhavetherighttovaryyournominatedemailaddress,mobilephoneorfaxnumber;(c)youhavetherighttoterminateyouragreementtoreceivetheinformationelectronically(afeefortheprovisionofpapercommunicationsmayapply);and(d)ifwithin6monthsaftertheelectroniccommunicationisgiven,youaskAccessforapapercopyoftheinformationprovidedelectronically,thepapercopywillbeprovidedtoyou.

21.3 Ifwegiveanoticeorothercommunicationtoyoubyemail,thecontentofthenoticeorcommunicationmaybe:(a)setoutinthebodyoftheemail;(b)includedasanelectronicdocumentattachedtotheemail;or(c)madeavailableat‘My Account’forretrievalbyyou(withtheemailadvisingyouofthisandofthegeneralnatureoftheinformation,andgivingyoutheabilitytoreadilyretrievetheinformationelectronically.Forexample,bymeansofalinkto ‘My Account’).

21.4 Ifwegiveanoticeorothercommunicationtoyou:(a)bywritingtoyou–youaretakentohavereceiveditwhenitwouldbedeliveredintheordinarycourseofthepost;(b)bygivingittoyoupersonallyorleavingitforyou–youaretakentohavereceiveditonthedayofdelivery;or(c)electronically–youaretakentohavereceiveditonthedayitistransmitted.

21.5 InadditiontothewayssetoutintheseTermsandConditions,wemaygiveyouanoticeorothercommunicationbyusinganymethodallowedorrequiredbyalawortheePaymentsCode.IfalawortheePaymentsCoderequiresustouseaparticularmethod,wewilldoso.

21.6 Youagreethat,forthepurposeoftelephonecommunicationsoriginatedorreceivedbyusorAccess,andforthepurposeofelectroniccommunicationsreceivedbyusorAccess,weorAccessmayverifyyouridentitybyreferencetoanyoralloftheSecurityDetailsinformationontheSMSservicesprovidedbyusfromtime-to-time,pleasevisitwww.cashpassport.com/multi.

22 Third parties 22.1 TheIssuermaytransferitsrightsandobligationsunderits

agreementwithyoutoanyotherpersonorbusiness.Ifthishappens,thepersonorbusinesstowhichthisagreementistransferredassumesalloftheIssuer’srightsandobligationsundertheagreement.Fromthenon,referencesintheseTermsandConditionstotheIssueraretobereadasreferencestothepersonorbusinesstowhichtheAgreementwastransferred.

22.2 Exceptinthosecircumstances,nothingintheseTermsandConditionswillconferonanythirdpartyanybenefitortherighttoenforceanytermsoftheAgreementbetweenyouandtheIssuer.

23 SMS messaging 23.1 Wemayfromtime-to-timesendyouSMSalertsrelatingtoyouCard

FundandCardactivity.YoucanstoptheSMSalertsatanytimebysending“STOP”tothenumberindicatedintheSMS(yourmobilephoneproviderwillchargeyoutheirstandardSMSfeeforsendingthisSMS).FormoreinformationontheSMSservicesprovidedbyusfromtime-to-time,pleasevisitwww.cashpassport.com/multi.

24 Governing law 24.1 TheseTermsandConditions,andtheAgreementbetweenyouand

theIssuer,aregovernedbythelawsoftheStateofQueensland,AustraliaandanylegalquestionsconcerningtheTermsandConditionsortheAgreementwillbedecidedunderthoselaws.

24.2 Yousubmittothenon-exclusivejurisdictionofthecourtsofthejurisdiction in which you acquired the Card to hear and determine anydisputesorlegalquestionsconcerningtheseTermsandConditionsortheAgreementbetweenyouandtheIssuer.

46 47

Reporting lost or stolen Cards

Country Phone Numbers Country Phone NumbersArgentina 08006660026 Malaysia 1800814933Australia 1800098231 Mexico 018001233480Austria 0800293724 Monaco 80093677Bahrain 80004838 Netherlands 08000233935Bahamas 18003890523 NewZealand 0800444691Belgium 080077228 Norway 80014326Brazil 08008923560 Philippines 180014420143CzechRepublic 800143722 Poland 008004412460Chile 12300207887 Portugal 800880501China(North) 108007122683 Russia 81080025002044China(South) 108004411345 Saudi Arabia 8008442790Croatia 0800223179 Singapore 8004411379Cyprus 80096361 Slovakia 0800001684Denmark 80884857 South Africa 0800982674Dominican Republic 18881561388 SouthKorea 0079844341279Finland 0800918279 Spain 900958973France 0800916940 Sweden 020796949Germany 08001814595 Switzerland 0800834918Greece 0080044131532 Taiwan 00801044292HongKong 800966321 Thailand 001800442212Iceland 8009878 Turkey 0080044632089India 0008001007960 UAE 8000440628Indonesia 180304411368 UnitedKingdom 08000560572Ireland 1800535564 Uruguay 0004135983672Israel 1809431521 USA/Canada 18774650085Italy 800789525 All other countries* +442076499404Japan 00531780221

IntheeventyourCardislostorstolenyoumustimmediatelyinform CashPassportGlobalEmergencyAssistance.

*Pleaseremembertoaddtheinternationalprefixofthecountryyouarein,atthebeginningofthisnumber(inmostcasesthisis00,forexample00442076499404.Callstothisnumberarenotfreeofcharge.

48

Access Prepaid Australia Pty Limited PO Box 1653

North Sydney, NSW, 2060 Attention: Cash Passport

Visit us or call Australia 1800 098 231

For all your Multi-currency Cash Passport needs visit www.cashpassport.com/multi

MasterCard®andtheMasterCardBrandMarkareregisteredtrademarksofMasterCardInternationalIncorporated.

BPAY®:RegisteredtrademarkofBPAYPtyLtdABN69079137518.Multi-currency Cash Passport Prepaid MasterCard® Currency Card Product

DisclosureStatementIssued20March2013.

PROTECTED ADAPTABLE CONVENIENT

APA1110C

-20Mar2013