NAB PURCHASING AND CORPORATE CARD CONDITIONS OF USE AND ELECTRONIC BANKING CONDITIONS Terms and conditions Effective 1 March 2020

CONTENTSNAB Purchasing and Corporate Card Conditions of Use

1. IssueofaCard............................................................... 3

2. UseofaCard................................................................. 3

3. Creditlimit..................................................................... 5

4. LostandstolenCards,andunauthoriseduseofCards6

5. Variation........................................................................ 6

NAB Purchasing and Corporate Card Electronic Banking Conditions

1. ApplicationofNABPurchasingandCorporateCardsElectronicBankingConditions........................... 8

2. LimitsonEFTtransactions.......................................... 10

3. Cardbasedelectronicbankingfacilities.................... 11

4. Operationofcardbasedelectronicbankingservices13

5. Deposits...................................................................... 16

6. Responsibilitiesandliabilities................................... 18

7. Complaints................................................................... 24

8. Changesandnoticeprovisions.................................. 24

9. ePaymentsCodeandtheBankingCode.................... 28

10.Discretions................................................................... 28

11.Governinglaw............................................................. 28

12.Meaningofwords....................................................... 28

Summaryofimportantinformation................................. 33

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CARDHOLDER CONDITIONS OF USE

AnyuseoftheNABVisaPurchasingCardorNABVisaCorporateCard(intheseconditions‘Card’)issuedtoyoutooperatetheAccountissubjecttothefollowingConditionsofUse.TheseConditionsofUseapplyinaccordancewiththeNABPurchasingandCorporateCardFacilityTermsandConditionsunderwhichtheCardwasissued,availableathttps://www.nab.com.au/business/business-cards/nab-purchasing-and-corporate-cards.IntheseConditionsofUse‘theAccount’meanstheaccountinthenameoftheCustomerestablishedbytheCustomerinaccordancewiththeNABPurchasingandCorporateCardFacilityTermsandConditions.

CapitalisedtermsotherwiseusedintheseTermsandConditionshavethemeaninggiventothemintheNABPurchasingandCorporateCardFacilityTermsandConditions.

1. Issue of a Card

1.1 (a) AnyCardissuedbyNationalAustraliaBankLimitedABN12004044937(‘NAB’)toyouisforuseontheAccountasagentfortheCustomersubjecttotheseConditionsofUse.TheCardisissuedontheunderstandingthateachpresentationbyyouconstitutesarequestbytheCustomerforcredittobeextendedtotheCustomerinaccordancewiththeNABPurchasingandCorporateCardFacilityTermsandConditions.

(b) ‘Customer’meansthecompanyorpersonsauthorisingtheissueofaCardtoyou(andbeingthe‘Customer’asdefinedintheNABPurchasingandCorporateCardFacilityTermsandConditions).

1.2 NABmayattimesissueanewCardtoyouwhichwillalsobesubjecttotheseConditionsofUse.

1.3 YouagreetheCardisthepropertyofNAB.

2. Use of a Card

2.1 ACardwillnotbeacceptedunlessitcarriesyoursignatureandisusedduringtheperiodshownontheCard.

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2.2 (a) ACardwillnormallybehonouredbybanksandmerchantsdisplayingtherelevantcardschemesign.

(b) However,applicablecardschemepromotionalmaterialdisplayedonanypremisesdoesnotmeanthatallgoodsandservicesavailableatthosepremisesmaybepurchasedwithyourCard.NABisnotliableforanyrefusalofanymerchantorbanktoacceptorhonouryourCard.

(c) Subjecttoanyapplicablelaw,NABwillnotberesponsibleforgoodsorservicessuppliedtoyou.Anycomplaintsmustberesolvedwiththemerchant.InsomecircumstancesNABmaybeabletolodgeaclaimtorequestarefundfortheCustomerunderthecardscheme’srulesfordisputedtransactions-knownas‘chargebackrights’.DetailsaboutchargebackrightsandtheproceduresfordisputingtransactionsareintheNABPurchasingandCorporateCardFacilityTermsandConditions.YoushouldcontactNABimmediatelyaboutanydisputedtransaction.

2.3 Theminimumormaximumamountofacashadvancemayvaryfrombanktobankandschemetoscheme.NAB’sminimumamountforacashadvanceconductedoverthecounterataNABbranchisA$20.

2.4 YourCardmayonlybeuseduntilsuchtimeasNABcancelsyourCard,whichitmaydoatanytime.WewillnotifytheCustomerifwedoso,butwedonotneedtodosobeforetheCardiscancelled.ExamplesofwhenNABmaydothisincludebutarenotlimitedtowhereNABbelievesonreasonablegroundsyourcontinueduseofyourCardmaycauselosstotheCustomerorNAB,ortheCustomerisindefaultoftheNABPurchasingandCorporateCardFacilityTermsandConditions.TheseexamplesareforguidanceonlyanddonotlimittheabilityofNABtocancelyourCard.YoumustnotusetheCardonceitiscancelled.WhenNABnotifiestheCustomerthattheCardhasbeencancelled,theCustomerwillnotifyyou.IfNABortheCustomeradvisesthattheCardhasbeencancelled,youundertaketoreturnthatCardtoNABortotheCustomer.FromthedateofnoticeofcancellationtheCardmaynotbeusedandnofurthercreditapplicabletotheCardwillbeextendedbyNABtotheCustomerontheAccount.

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2.5 (a) Youmay,withtheCustomer’sconsent,applytouseyourCardinNAB’selectronicbankingfacilities.UponreceiptoftheCardorCardAccountDetails,whicheverisreceivedfirst,theuseoftheCardandCardAccountDetailswillbesubjecttotheNABPurchasingandCorporateCardsElectronicBankingConditions.However,noteclause6.5andtheguidelinesonsecurityinclause6.6intheNABPurchasingandCorporateCardsElectronicBankingConditionsapplyimmediatelyuponreceiptofthePersonalIdentificationNumber(‘PIN’).

(b) IntheeventofaconflictbetweentheseConditionsofUseandtheNABPurchasingandCorporateCardsElectronicBankingConditions,theNABPurchasingandCorporateCardsElectronicBankingConditionsshallprevail.

Forthepurposesof2.1oftheNABPurchasingandCorporateCardsElectronicBankingConditions,youmayonlynominatetheAccount.

2.6 ACardmustnotbeusedforanyunlawfulpurpose,includingthepurchaseofgoodsorservices,prohibitedbylocallawinthecardholder’sjurisdiction.

2.7 “Internationaltransactions”aretransactionswherethemerchant,financialinstitutionorentityprocessingthetransactionislocatedoutsideAustralia.Internationaltransactionsareeither‘singlecurrency’(thetransactionismadeinAustraliandollars)or‘multicurrency’(thetransactionismadeinacurrencyotherthanAustraliandollars).

Thewayinternationaltransactionsareprocessedandappearonyourstatementofaccountdependsontherelevantcreditcardschemeandthetypeoftransaction.AnyinternationaltransactionswhichNABdebitstoyourAccountmayincurfeesandbesubjecttootherexchangeratecosts.FurtherinformationaboutinternationaltransactionsissetoutintheNABPurchasingandCorporateCardFacilityTermsandConditions.

3. Credit limit

3.1 ThecreditlimitapplicabletotheCardissuedtoyoutoaccesstheAccountistheamountnotifiedtoyoubyNABortheCustomer.Youmustnotexceedthecredit

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limitapplicabletotheCard.TheamountavailableunderanyoneCardatanytimemaybelessthanthiscreditlimit.Forexample,NABmaydecidenottoallowtheCardtobeusedtocompletetransactionsthatwillcausetheoutstandingAccountoftheCustomertoexceedtheoverallFacilityLimit.

4. Lost and stolen Cards, and unauthorised use of Cards

4.1 (a) IfyourCardislostorstolenwithinAustraliayoumustimmediatelynotifyNABbycalling1800033103(withinAustralia),oranyothermeansNABmakesavailabletoyou.IfyourCardislostorstolenoutsideAustralia,youmustnotifyabankdisplayingtheappropriateschemesignornotifyVisabycalling14105819994(callreversecharges,24hoursperday).

Ineithercase,youmustalsonotifytheCustomer.

(b) Whererequested,youandtheCustomermustgiveNABallinformationyouandtheCustomerhaveabouthowthelossoccurred.

(c) YouacknowledgethattheCustomermayhaveliabilityfortransactionsmadebyuseoftheCarduntilNABreceivesnoticefromyouortheCustomer.

4.2 You should immediately notify the Customer of any unauthorised mail, telephone, or Internet order arising from the use of the Card and Card Account Details.

5 Variation

5.1 SubjecttoanyapplicablelaworindustrycodeofconductincludingtheBankingCode,theseConditionsofUsemaybevariedbyNABbynoticeinwritingtotheCustomerortoyouasagentoftheCustomerorbyadvertisementinthenationalorlocalpressnolaterthanthedaythevariationtakeseffect.WemaynotifytheCustomer(oryouastheCustomer’sagent)atthetimesandinthesamemannerasnotificationofchangesintheNABPurchasingandCorporateCardFacilityTermsandConditions.TheCustomermusttellyouaboutanychangeassoonaspossible.

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Schedule 1

Your NAB Corporate Card or NAB Purchasing Card and your personal information

WhenyouapplyfororuseinanywayyourNABCorporateCardorNABPurchasingCard,personalinformationaboutyoumaybecollected,usedanddisclosedbyNationalAustraliaBankLimited(‘NAB’)foravarietyofpurposesassetoutinNAB’sPrivacyNotification.

InadditiontothecircumstancesdescribedintheNABPrivacyNotification,personalinformationrelatingtotheuseofyourcard(suchastransactionschargedtoyourcard)mayalsobecollected,usedandpassedonby:

• merchantswithwhomyourcardisusedandtheirfinancialinstitutions;

• creditcardschemeorganisations(suchasVisaInternationalServiceAssociation),theirrelatedorganisationsandtheirserviceproviders;and

• NationalAustraliaBankGroupcompaniesandtheirserviceproviders,

includingsothatthisinformationcanultimatelybeprovidedbyNABtotheNABcustomerwhoisliablefortheuseofyourcard(“Accountholder”).ThisinformationisdisclosedtotheAccountholdertobetterinformthemaboutthetransactionswhicharechargedtotheiraccount.

TransactioninformationthatmaybedisclosedtotheAccountholdermaybeverydetailedandmayinclude,forexample,thenatureandamountofhotelchargeschargedtoyourcardortheitinerary,datesandclassoftravelchargedtoyourcard.

IfyouhaveanyquestionsorconcernsabouthowtheAccountholderusesordisclosespersonalinformationaboutyouthatitreceivesfromNAB,youshoulddiscussthiswiththeAccountholder.

(Note:AcopyofNAB’sPrivacyNotificationshouldhavebeenprovidedtoyoubytheAccountholder.Ifyouhavenotreceivedyourcopy,pleaseasktheAccountholderforone.TheNABPrivacyNotificationmayalsobeviewedatnab.com.au.)

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NAB PURCHASING AND CORPORATE CARDS ELECTRONIC BANKING CONDITIONSTherightsandobligationsoutlinedinthesetermsandconditionscomplywithboththeePaymentsCodeandtheBankingCodetotheextentthattheyareapplicable.Theyapplytobothacardholderandanaccountholderforelectronicbankingthatisusedwithcertaintypesofbankingfacilities(seeclause1.3forfurtherinformationaboutwhetherthesetermsandconditionsapplytoyourfacility).

1. Application of NAB Purchasing and Corporate Cards Electronic Banking Conditions

1.1 When do these terms and conditions apply?

Thesetermsandconditionsarebindingonyoufromwhicheverofthefollowingoccursfirst:

(a)inrelationtoacardwhichisnotacreditcard,byapplyingforthecardtobeissuedandlinkedtoanynominatedaccount;

(b)theaccountholderoranycardholderconductsanEFTtransactiononanynominatedaccount;

(c)subjecttoclause1.1(d),anycardholderreceivestheircard;or

(d)inrelationtoacreditcard,uponreceiptofthecardorcardaccountdetails,whicheverisreceivedfirst.

However,noteclause6.5andtheguidelinesonsecurityinclause6.6applyimmediatelyuponyoureceivingorselectingthePIN.

1.2 Terms and conditions relating to EFT transactions

ThesetermsandconditionsapplytoEFTtransactionsonyournominatedaccounts.Theseinclude,butarenotlimitedto,EFTtransactionsinitiatedbyyou:

(a)atNABATMsusingyourcardandPIN;

(b)atATMsprovidedbyotherinstitutionsusingyourcardandPIN;

(c)atEFTPOSfacilitiesprovidedbymerchantsusingyourcardandPIN;

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(d)usingyourcardaccountdetailsthroughotherelectronicequipment;

(e)whereacreditcardisusedthrougha‘swipe-only’devicethatdoesnotrequireamanualsignature;and

(f) atacontactlessreaderusingacreditcardorcarddetails.

Thismayincludetheuseofcarddetailsinconjunctionwithawearabledeviceormobilephone.

1.3 Other terms and conditions

ThesetermsandconditionsapplywheretheletterofofferortermsandconditionsofyouraccountrefertotheNABPurchasingandCorporateCardsElectronicBankingConditions.Theydonotcontainalloftheconditionsrelevanttotheuseofcardsortheaccount.

Separatetermsandconditionsexistfor:

(a)creditcardsissuedbyNABandforthecreditaccountwhichmaybeusedinconjunctionwiththesecreditcards;and

(b)anyofthenominatedaccountswhichcanbeaccessedusingyourcard.

Ifthereisanyinconsistencybetweenthesetermsandconditionsandthetermsandconditionsapplyingtoyourcardornominatedaccount,theseNABPurchasingandCorporateCardsElectronicBankingConditionsapplytotheextentanyinconsistencyexistsinrespectofEFTtransactions,exceptfornoticeofcancellationorrevocationofanyelectronicbankingfacility.

Ifaletterofofferortheconditionsofanaccountrefertootherelectronicbankingtermsandconditions(suchastheCommercialCardsElectronicBankingConditions)thenthoseothertermsandconditionswillapplytoelectronicbankingarrangementswithNABforthataccount.

1.4 Accountholder to ensure distribution

Accountholdersmustensurethateachcardholderisprovidedwithacopyofthesetermsandconditionsbeforeanyoftheeventsreferredtoinclause1.1occur.

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2. Limits on EFT transactions

2.1 Nominated accounts

Yourcarddetailsand/orcardand/orPIN(oryourcardaccountdetails)mayfromtimetotimeenabletransactionstobemadeoncertainNABaccountswhichyouhavenominatedforusewithNAB’sPurchasingandCorporateCardsElectronicBankingConditions.

2.2 Number and type of accounts

ThereisalimittothenumberandtypeofaccountswhichcanbeaccessedbymeansofelectronicbankingfacilitiesusedinconjunctionwithNABPurchasingandCorporateCardaccounts.Sometypesofelectronicequipmentmayalsonotallowaccesstoalltypesofaccounts.

ForcardsunderaNABPurchasingandCorporateCardFacility,thenominatedaccountwillbetheaccountapplyingtothatfacility.UnlessNABotherwiseadvises,nootheraccountsmaybenominatedunderclause2.1.ForfurtherinformationpleasecontactNABusingthe‘CustomerService’detailsshowninthe‘Summaryofimportantinformation’atthefrontofthisdocument,orbyanyothermeansNABmakesavailabletoyou.

2.3 Amounts withdrawn or transferred

NABreservestherighttolimittheamountwhichmaybewithdrawnortransferredfromanominatedaccountbywayofcertainEFTtransactions.

A‘daily’limitappliesfrommidnighttomidnightAustralianEasternStandardTimeorAustralianEasternStandardSummerTime(whicheverisapplicable).

NAB Debit cardholders

AdailylimitappliestoallpurchasesandwithdrawalsofcashundertakenusingyourcardandPIN.

NAB Visa Debit or Credit cardholders

AdailylimitappliestoallATMcashwithdrawalsortothecashcomponentofatransactionmadeatanEFTPOSterminalunderclause3.3.

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Youwillbeadvisedofthesespecificlimitswhenissuedwithacard,andyouwillbesubsequentlyadvisedofanychangetotheselimits.ThelimitsadvisedbyNABarenotanundertakingbyNABtosolimittheamountswithdrawnortransferredbyuseofNAB’scardbasedelectronicbankingfacilities.However,theadvisedlimitdoeslimityourliabilityforunauthorisedtransactions(seeclause6).

2.4 Valid and irrevocable authority

Youruseofacard,cardaccountdetailsorPINthroughelectronicequipmenttoinitiateanEFTtransactionisanunchangeableordertoNABtoprocesstheEFTtransaction.NeitheracardholdernoranaccountholdermayrequestNABtostoporaltertheEFTtransaction.However,theaccountholder’sliabilityfortheEFTtransactioncouldbelimitedintermsofclause6.3.

3. Card based electronic banking facilities

3.1 NAB ATMs

Subjecttothetermsandconditionsapplyingtoyournominatedaccount,yourcardandPINenableyoutouseNAB’sATMsasdeterminedbyNAB.

NAB’sATMsallowyoutowithdrawortransferfundsbetweenallnominatedaccounts,obtainarecordofrecenttransactions(notavailableforacreditcardaccount),orderarepeatstatement(notavailableforacreditcardaccount)andcheckyouraccountbalances.SomeNABATMsmayalsoallowyoutodepositfundsintoanominatedaccountandtochangeyourPIN.

ItisyourresponsibilitytofamiliariseyourselfwiththecorrectuseofATMs.IfyouareunsureorrequireassistanceintheoperationoftheATM,pleaseseekassistancefromNAB’sbranchstafforcontactNABusingthe‘CustomerService’detailsin‘Summaryofimportantinformation’atthefrontofthisdocument.

3.2 ATMs provided by other institutions

ATMsprovidedbyotherinstitutionsacceptingcardsmayallowyoutowithdrawfundsandcheckyourdesignatedmainnominatedaccountbalances.InstitutionsprovidingotherATMsacceptingcards

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mayimposetheirownfeesandrestrictionsontheoperationofthecardswiththeirATMsincludinglimitstotheamountswhichmaybewithdrawnandtheaccountswhichmaybeaccessed.NABacceptsnoresponsibilityforsuchfeesandrestrictions.

3.3 EFTPOS terminals provided by merchants

EFTPOSterminalsallowyoutopayforpurchasesandmayallowtheoptionofwithdrawingextracashfromyourdesignatedmainnominatedaccountatcertainlocations(butnotfromacreditcardaccount).MerchantsprovidingEFTPOSterminalsacceptingcardsmayimposetheirownfeesandrestrictionsontheoperationofthecardswiththeirEFTPOSterminalsincludinglimitstotheamountswhichmaybewithdrawn.NABacceptsnoresponsibilityforsuchfeesandrestrictions.

3.4 Other transactions through electronic equipment

(Suchasusingamerchantinternetsiteonacomputerorbycommunicatingthroughtelephoneorelectronicmailwithamerchant).ThemerchantorotherpersonmayimposetheirownrestrictionsontheseEFTtransactions(suchasapurchaseatamerchantusingacontactlessreader).ContactlessreadersgiveyoutheoptionofmakingpurchasesuptothelimitnotifiedtoyoubyNAB.NABhasnocontroloverwhetheramerchantwillacceptthisformofcontactlesspurchase.ThemerchantorotherpersonmayimposetheirownrestrictionsontheseEFTtransactions.

NABacceptsnoresponsibilityforanysuchrestrictionsinconnectionwithanysuchtransactionsthroughelectronicequipment.

Note: Using digital wallets on mobile phone devices and wearable devices.

Irrespectiveofthevalueofthepurchase,youmaynotberequiredtoenteraPINinthecontactlessreaderwhenmakingacontactlesspurchasewheretheelectronicequipmentisaneligiblewearabledeviceormobilephone.Youwillbenotifiedaboutthisatthetimeyouenrolforthedigitalwallet.

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3.5 Functionality

TheprocessingofanEFTtransactiontoaparticularaccountwilldependonthefunctionalityoftheelectronicequipment(forexampleanoverseasATMmayprocessatransactiontoamainnominatedaccountwhichisacreditcardaccounteventhoughyousoughttoinitiateadebittransactiononadifferentnominatedaccount).

NABacceptsnoresponsibilityforthisdifferingfunctionality.

3.6 Fees

FeesmayapplytoanyEFTtransactionyouundertakewithNAB’scardbasedelectronicbankingfacilities,theamountandnatureofwhicharedetailedin‘AGuidetoFeesandCharges-Personalbankingfees’,or‘BusinessBankingFees-aguidetofeesandcharges’,asapplicable.

4. Operation of card based electronic banking services

4.1 Receipts

(a)Itisdesirableforyoutoretainorrecordreceiptstoverifyyouraccountstatements;

(b)TheissuingofareceiptbyanEFTPOSterminalorATMmaybeacceptedasevidencethatthetransactionhasbeenperformedbyNABintermsofthereceipt.ThisconditiondoesnotapplytodepositslodgedinATMs(seeclauses5.1and5.2).

(c)Whenmakingacontactlesspurchaseyoumustcheckthecorrectamountofthepurchaseisdisplayedonthecontactlessreaderoronthemerchantregister.

4.2 Statements

(a)Creditcardaccountstatementsmaybeprovidedunderthetermsofthecreditcard’sspecifictermsandconditions.Forallothernominatedaccounts,astatementisissuedinaccordancewiththetermsandconditionsforthenominatedaccount(s).Thestatementsmaybeprovidedtotheaccountholder.

(b)Forthepurposesofpreparingstatements,NABreservestherighttoshowanEFTtransaction

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ashavingbeencarriedoutonthenextorsubsequentbusinessdayaftertheday(s)thetransactionwasmade.

4.3 Reviewing statements of account

YoushouldalwaysreviewyourstatementsofaccountandbringtoNAB’sattentionanydiscrepancies,errorsorunauthorisedtransactionsassoonaspossible.IfyouwishtodisputeanEFTtransaction,youmustreportthistoNAB.Pleaserefertothe‘CustomerService’detailsin‘Summaryofimportantinformation’atthefrontofthisdocument.YoushouldreportanyunauthorisedtransactionstoNABasquicklyaspossible(andcertainlynolaterthan120daysaftertransactiondateonyourreceiptorstatement).Yourabilitytoobtainarefundmaybeaffectedbyanydelayinraisingyourconcerns.

4.4 Discrepancies in cash delivered by an ATM

WhenwithdrawingcashfromanATM,youshouldimmediatelycheckthatthecorrectsumhasbeendelivered.IfthereisadiscrepancybetweentheamountofcashdeliveredbyanATM,andtheamountshownonthereceipt,reportthefactsassoonaspossibletoNAB.Pleaserefertothe‘ATMemergency’detailsinthe‘Summaryofimportantinformation’atthefrontofthisdocument.

4.5 Cards

Remembertotakepropercareofyourcardandcardaccountdetails.Donotkeepyourcardincontactwithothercardsthathaveamagneticstrip.MagneticstripscanreactwitheachotherandifthisoccursyourcardmaynolongeroperateinaATMorEFTPOSterminal.

(a)Yourcardisissuedwithvaliditydatesdenotingmonthandyeare.g.03/20isMarch2020.Thecommencingdateisthefirstdayofthemonth,theexpirydatethelastdayofthemonth.Cardsarenotvalidbeforeorafterthesedates.

Expiredcardsmustbedestroyed.

(b)YourcardremainsthepropertyofNAB.YoufurtheragreetoreturnthecardtoNABordestroythecardbycuttingitverticallyinhalfthroughitsmagneticstripupon:

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(i) noticefromNABcancellingyourcard;

(ii) closureofallyournominatedaccounts;or

(iii) revocationofauthoritytooperateyournominatedaccountsbymeansofyourcard.

(c)YourcardmaybeconfiscatedbyanATMifyourepeatinvalidPINentries.ThenumberofadditionalentriesallowedafterthefirstinvalidentrymaybevariedatNAB’sdiscretionandisnotsubjecttoanypriornotice.

4.6 EFTPOS malfunction

IntheeventofanEFTPOSterminalmalfunctionorfailure,themerchantmayprovidealternativemanualprocedurestoenableatransactiontobemade.Youwillberequiredtopresentyourcardforimprintingofatransactionvoucher,indicateoneofthemainnominatedaccounts,andsignthetransactionvoucher.(Theprocedureissimilartothatusedforpapervouchercreditcardtransactions.)NABreservestherighttovarythemanualprocedureatanytime.

Ifyouhaveindicatedonthepapervoucherthatamainnominatedaccountistobedebited,andthataccountisclosedorhasinsufficientfundsavailable,NABmayredirectthedebitentrytotheothermainnominatedaccount(excludingacreditcardaccount)withoutnoticetoyou.

4.7 Merchants

NABwillnotbeliablefortherefusalofanymerchanttoacceptcarddetailsand/orcard,orcardaccountdetails.

Anycomplaintsconcerninggoodsandservicespurchasedmustgenerallyberesolvedwiththemerchant.InsomecircumstancesNABmaybeabletolodgeaclaimtorequestarefundforyouunderthecardscheme’srulesfordisputedtransactions.Detailsaboutchargebackrightsandtheproceduresfordisputingtransactionsaredescribedinthe‘Summaryofimportantinformation’atthefrontofthisdocumentandmaybefurtherdescribedinthetermsandconditionsapplyingtotheaccount.Youshouldreportanydisputedtransactionsasquicklyaspossible(andcertainlynolaterthan

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120daysafterthetransactiondateonyourreceiptorstatement)asyourabilitytoobtainarefundmaybeaffectedbyanydelayinraisingyourconcerns.

4.8 Promotional material

PromotionalmaterialreferringtoNAB’scardbasedelectronicbankingfacilitiesthatisdisplayedonorinanypremises,isnottobetakenasawarrantybyNAB,orbythemerchantcarryingonabusinessinthosepremises,thatallgoodsandservicesmaybepurchasedbymeansofanEFTtransaction.Youalsoacceptthattheuseofyourcardandcardaccountdetailsmaybesubjecttootherlimitationsimposedbythemerchant.

5. Deposits

5.1 Cash deposits at ATMs

WhenmakingacashdepositatanATMyoushouldbeawarethatsuchdepositmaynotbecreditedtoyouraccountimmediately.

AcashdepositlodgedinanATMissubjecttoverificationandatNAB’sdiscretionmaynotbecreditedtoyouraccountuntilthefollowingbusinessday.DepositsmadeatanATMafter6.00pmwillbecreditedtoyouraccountwithintwobusinessdays.

IntheeventofadiscrepancybetweenthedepositvaluedeterminedbyNABandtheamountrecordedbytheATM,theaccountholderwillbepromptlyadvisedoftheactualamountwhichhasbeencreditedtothenominatedaccount.CardholdersshouldremembertoincludetheATMdepositadvicecardintheenvelopewiththedeposit,asfailuretodosomaydelayfundsbeingcreditedtoyouraccount.NABreservestherighttocorrectorreverseanysuchdeposittransaction.

NABwillacceptresponsibilityforthesecurityofyourdepositcorrectlylodgedatanATMwhichoffersdepositingservices,subjecttoverificationoftheamountdeposited.

YoushouldkeepallrecordsassociatedwithadepositthatyoumakeviaanATMuntilthedepositisverifiedandrecordedonyouraccountstatement.Wheretheclaimeddepositisnotavailablefor

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verificationfollowingforcefulremovaloftheATMorothercriminalact,NABrequiresyoutoreasonablysubstantiatethevalueofyourclaim.

5.2 Deposits in the form of cheques

Ifyoumakeadepositintheformof,orincludingacheque,thefundsofthechequearenotavailableforwithdrawaluntilthechequereachesthepayingbankandNABisguaranteedpayment.(ThisconditionappliestodepositsmadethroughanATMoratabranchofNAB.)IntheeventofadiscrepancybetweenthevalueofchequesdepositedasdeterminedbyNABandyourdepositclaim,NABwillinformyou.NABreservestherighttocorrectorreverseanysuchdeposittransaction.

BecauseoftherequirementsofNAB’ssystems,NABreservestherighttoplacea‘hold’onthefullamountofadepositwhichincludesacheque.

Forexample,whereadepositincludescashandoneormorecheques,theholdappliestothecashcomponentaswellastothevalueofcheques.

Holdsarenormallyappliedforthreebusinessdays,andtransactionsrequiringuseofthesefundsmayberefusedwithinthisperiod.

Therefore,ifyouwishtodepositcashandexpecttowithdrawagainstthesumofthatcashwithinthethreebusinessdayperiod,youareadvisedtodepositthecashseparatelyfromthecheques.(Thatis,maketwodeposittransactions.)

NABwillnotberesponsibleforanyclaimorrefusalofatransactionifthisconditionisdisregarded.YouareentitledtoenquirefromanybranchofNABifholdsaretobeappliedtoanydeposit.

Subjecttoclause6,theaccountholderagreestoindemnifyNABagainstallclaimsorliabilitiesitmayincurasaconsequenceofitcollectingachequeofwhichtheaccountholderisnotthetrueowner.

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6. Responsibilities and liabilities

6.1 Your responsibilities with respect to the card and card details

IfNABissuesacardtoyouthenyoumust:

(a)signthecardimmediatelyonreceipt;

(b)keepyourcardinasafeplace,andprovidereasonableprotectionforthecardandcardaccountdetailsfromtheft;

(c)notifyNABifyoubelieveyourcard,cardaccountdetailsoranydevicethroughwhichcardaccountdetailsmaybeusedislostorstolen(seeclause6.7forfurtherdetails);

(d)adviseanychangeofaddress(refertothe‘CustomerService’detailsin‘Summaryofimportantinformation’atthefrontofthisdocument);

(e)usethecardinaccordancewiththeseNABElectronicBankingtermsandconditions;

(f)destroyanexpiredcard;and

(g)ifatemporarycardhasbeenissuedtoyou,youagreetodestroyituponreceiptofapersonalisedcard.

6.2 General responsibility

TheaccountholderisgenerallyresponsibleforallEFTtransactionsauthorisedbytheuseofthecardand/orPINand/orthecardaccountdetails(includingthroughtheuseofamobilephoneorwearabledevice)orundertakenbyanotherpersonwithyourknowledgeand/orconsent.Theaccountholder’sliabilityforanyusenotauthorisedbyyoumayhoweverbelimitedasprovidedbelow.

6.3 No accountholder liability in some circumstances

Theaccountholderisnotliableforlosses:

(a)thatarecausedbythefraudulentornegligentconductofNAB’semployeesoragentsorcompaniesinvolvedinnetworkingarrangementsorofmerchantsoroftheiragentsoremployees;

(b)arisingbecausethePIN,cardaccountdetailsorcardisforged,faulty,expired,orcancelled;

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(c)thatarisefromEFTtransactionswhichrequiredtheuseofyourcardorcardaccountdetailsoryourPINandthatoccurredbeforeyoureceivedthecardorcardaccountdetailsorbeforeyoureceivedorselectedyourPIN;

(d)thatarecausedbythesameEFTtransactionbeingincorrectlydebitedmorethanoncetothesameaccount;

(e)resultingfromunauthorisedtransactionsoccurringafternotificationtoNABthatthecardorcardaccountdetailshavebeenmisused,lostorstolenorthesecurityofthePINhasbeenbreached;or

(f) resultingfromunauthorisedtransactionswhereitisclearthatyouhavenotcontributedtosuchlosses.

6.4 Accountholder liability for unauthorised transactions

Theaccountholderisliableforlossesresultingfromunauthorisedtransactionsasprovidedbelow:

(a)whereNABcanproveonthebalanceofprobabilitythatyoucontributedtothelossesthroughyourfraudoryourcontraventionofthesecurityrequirementsinclause6.5theaccountholderisliablefortheactuallosseswhichoccurbeforeNABisnotifiedthatthecardhasbeenmisused,lostorstolenorthatthesecurityofthePINhasbeenbreached;and

(b)theaccountholderisalsoliablewhereNABcanproveonthebalanceofprobabilitythatyoucontributedtolossesresultingfromunauthorisedtransactionsbecauseyouunreasonablydelayednotifyingNABafterbecomingawareofthemisuse,lossortheftofthecardorcarddetails,orthatthesecurityofthePINhasbeenbreached.Theaccountholderwillthenbeliablefortheactuallosseswhichoccurbetweenthetimeyoubecameaware(orshouldreasonablyhavebecomeawareinthecaseofalostorstolencardorcardaccountdetails)andwhenNABwasactuallynotified.

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However,inrelationto(a)and(b)above,theaccountholderisnotliableforanyofthefollowingamounts:

(i) thatportionofthelossesincurredonanyonedaywhichexceedtheapplicabledailytransactionlimit(s);

(ii) thatportionofthelossesincurredinaperiodwhichexceedsanyotherperiodictransactionlimit(s)applicabletothatperiod;

(iii) thatportionofthetotallossesincurredonanyaccountwhichexceedsthebalanceofthataccount(includinganyprearrangedcredit);or

(iv) alllossesincurredonanyaccountswhichtheaccountholderandNABhadnotagreedcouldbeaccessedusingthecardorPIN.

(c)whereaPINwasrequiredtoperformtheunauthorisedtransactionsandneitherparagraph(a)nor(b)applies,theaccountholderisliablefor

theleastof:

(i) $150;or

(ii) thebalanceofthoseaccount(s)(includinganyprearrangedcredit)fromwhichvaluewastransferredintheunauthorisedtransactionsandwhichNABandtheaccountholderhaveagreedmaybeaccessedusingthePIN;or

(iii) theactuallossatthetimeNABisnotified(whererelevant)thatthecardhasbeenmisused,lostorstolenorthatthesecurityofthePINhasbeenbreached(excludingthatportionofthelossesincurredonanyonedaywhichexceedsanyapplicabledailytransactionorotherperiodictransactionlimit(s)).

(d)theaccountholderisliableforlossesarisingfromunauthorisedtransactionsthatoccurbecauseyoucontributedtothelossesbyleavingacardinanATM.

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6.5 Your responsibilities

(a)WhereNABprovidesyouwithaPINyoumustnot:

(i) voluntarilydisclosethePINtoanyoneincludingafamilymemberorfriend(unlessyourcardisa‘DepositOnlyCard’);

(ii) recordthePINonyourcardoronanyarticlecarriedwiththecardorliabletolossortheftsimultaneouslywiththecard;and

(iii) actwithextremecarelessnessinfailingtoprotectthesecurityofthePIN(forexamplebyfailingtocomplywithguidelinesinclause6.6).

(b)WhereNABallowsyoutoselectaPINorchangeyourPINyoumustnotselect:

(i) anumericcodewhichrepresentsyourbirthdate;or

(ii) analphabeticalcodewhichisarecognisablepartofyourname.

EitheroftheseselectionsmaymeanyouareliableforlossescausedbyunauthorisedtransactionscausedbyabreachofyourPIN.

6.6 Guidelines

Youshouldalsocomplywiththeseguidelinestoprotectthesecurityofyourcard,cardaccountdetailsandPINandthusreducethepossibilityofanyinconveniencetoyou:

(a)donotpermitanyotherpersontousethecardand/orcardaccountdetails(includingthroughamobilephoneorwearabledevice);

(b)destroythePINenvelope(ifany)aftermemorisingthePIN;

(c)takereasonablecarewhenusingyourATM,orEFTPOSterminaltoensureyourPINisnotdisclosedtoanyotherperson;and

(d)shouldyourequireamemoryaidtorecallyourPINyoumaymakesucharecordprovidingtherecordisreasonablydisguised.However,NABdoesnotconsiderthefollowingexamplesto

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provideareasonabledisguiseandyouagreenotto:

(i) recordthedisguisedPINonyourcard;

(ii) disguiseaPINbyreversingthenumbersequence;

(iii) describethedisguisedrecordasa‘PINrecord’or‘Passwordrecord’;

(iv) disguisethePINasatelephonenumber,partofatelephonenumber,postcodeordateofbirth;or

(v) disguisethePINusingalphabeticalcharacters,eg.A=1,B=2,C=3etc

(e)followanyotherreasonableinstructionsNABgivesyouinrelationtoselectingaPIN.

TheremaybeotherformsofdisguisewhichmaybesimilarlyunsuitablebecauseoftheeaseofanotherpersondiscerningyourPIN.

Pleasenotealltheguidelinessetoutinclause6.6areforyourassistancebutyourliabilityinthecaseofanactuallosswillbegovernedbytheePaymentsCodeifitappliesandclause6.5inthisdocument.However,youshouldtakecaretomeettheguidelinessetoutinclause6.6asafailuretomeettheseguidelinesmayinsomecircumstancesconstituteanactofextremecarelessnessunderclause6.5(a)(iii).

6.7 Advising NAB

Ifyoubelieveyourcardorcardaccountdetails(oranydevicesthroughwhichcardaccountdetailsmaybeused)havebeenlostorstolen,yourPINdivulgedorthattherehasbeenmisuseofyourcardorcardaccountdetails,youmustnotifyNABassoonaspossible.PleaserefertoNAB’s‘Lost/stolencards/compromisedPersonalIdentificationNumbers(PINs)’detailsin‘Summaryofimportantinformation’atthefrontofthisdocument,oranyothermeansNABmakesavailabletoyou.

OnceNABhasbeennotifiedofthesematterstheaccountholder’sliabilityforfurtherEFTtransactionswillbelimited.

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Wheretelephonefacilitiesorothermeansarenotavailableduringparticularperiods,anylossesoccurringduringtheseperiodsthatwereduetonon-notificationaredeemedtobetheliabilityofNAB,providingnotificationismadetoNABwithinareasonabletimeofthefacilityagainbecomingavailable.

NABwillacknowledgeyourreportandyoushouldrecordorretainthisacknowledgement.

6.8 Liability under credit card scheme

NotwithstandingtheabovewhereyounotifyNABofanunauthorisedtransactiononacreditcard,NABwillnotholdtheaccountholderliableforanamountgreaterthantheliabilitytheaccountholderwouldhavehadifNABhad,atthetimethecomplaintwasmade,exerciseditsrights(totheextentrelevant)undertherulesofthecreditcardscheme.

6.9 Failure of NAB electronic equipment

(a)IftheePaymentsCodeappliestoyouforanEFTtransactiononanominatedaccount,NABwillbeliabletoyouforlossesyousuffercausedbythefailureofNAB’selectronicequipmentorsystemtocompleteanEFTtransactionacceptedbyNAB’ssystemorNAB’selectronicequipmentinaccordancewithyourinstructions.(Seeclause9.1forwhentheePaymentsCodeapplies).

However,NABwillnotbeliableforconsequentiallosseswhereyoushouldhavebeenawarethatNAB’selectronicequipmentorsystemwasunavailableforuseormalfunctioning.NAB’sresponsibilitiesinthiscasewillbelimitedtothecorrectionoferrorsinyouraccountandtherefundofanychargesorfeesimposedonyouasaresult.NABwillalsonotbeliableforanylossescausedbythefailureofNAB’selectronicequipmentwhereNAB’ssystemorelectronicequipmenthasnotacceptedtheEFTtransaction.

(b)IftheePaymentsCodedoesnotapplytoanEFTtransaction(forexamplebecauseitisabusinessEFTtransaction)NABwillnotbeliabletoyouforanyloss,claim,liabilityoroutgoing,includingwithoutlimitationanyconsequentiallossorliability,whichyousufferbecauseofanyfailure

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ofNAB’ssystemsorNAB’selectronicequipmenttocompletethatEFTtransaction.

7. Complaints

Forinformationaboutresolvingproblemsordisputes,contactNAB on 1800 152 015, or visit any NAB branch.

NABhasavailableonrequestinformationabouttheproceduresforlodgingacomplaint.FormoredetailsaboutNAB’sinternaldisputeresolutionprocedurespleaseaskforNAB’scomplaintsresolutionbrochure.

IfdespiteNAB’sresolutionsprocedures,NABcannotresolvethecomplaintandyouwantthematterinvestigatedbysomeoneindependent,NABisaparticipantintheAustralianFinancialComplaintsAuthority(AFCA).Thisserviceisfundedbyparticipatingbanksbutoperatesindependentlyofthem.AFCAoffershelpfreeofchargetoapplicantswhoareindividualsandsmallbusinesses(asdefinedbythetermsofreference)andotherwisecomewithinthejurisdictionofAFCA.NABisboundbywhateverAFCAdecidesbutyouarenotboundandcanultimatelytakethemattertocourtifyouwish.

AFCAcanbecontactedat:

Telephone:1800 931 678 (freecall)Website:www.afca.org.auEmail:info@afca.org.au

Postaladdress: AustralianFinancialComplaintsAuthority

GPOBox3MelbourneVIC3001

8. Changes and notice provisions

8.1 Changes NAB may make

NABmayneedtomakechangestothesePurchasingandCorporateCardsElectronicBankingConditionsfromtimetotime.NABmaymakechangeswithoutyourconsent.NABpromisestoactreasonablywhenitmakesanychanges.

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8.2 Types of changes NAB may make

Forexample,NABmaymakethefollowingtypesofchangeswithoutyourconsent:

(a)introduceanewfeeorcharge(includingtheintroductionorincreaseofchargesrelatingsolelytotheuseofyourcardorPINorcardaccountdetailsortheissueofanadditionalcardorPINorcardaccountdetails);

(b)changethedailylimitthatcanbewithdrawnortransferredfromyourcard;

(c)changethetimeduringwhichthedailylimitappliestopurchasesandwithdrawalsofcashundertakenusingacardorPIN;and

(d)increaseyourliabilityforlossesrelatingtoEFTtransactions.

NABmayalsomakeotherchangestothesePurchasingandCorporateCardsElectronicBankingConditionswithoutyourconsentfromtimetotime(forexampletoreflectchangesinthewayanelectronicbankingfacilityoperates).

8.3 When NAB will notify you of change

NABwillgiveyouatleast30days’noticeofanychange,exceptasfollows:

(a)Ifyouareasmallbusiness(asdefinedintheNABPurchasingandCorporateCardsFacilityTermsandConditions)andNABreasonablyconsidersachange(otherthanachangetointerestrates)willbeunfavourabletoyouandthesamechangeisnotbeingmadetosimilarfacilitiesofNAB’sothersmallbusinesscustomers,wewillgiveyouatleast90days’priorwrittennoticeofthechange;

(b)NABmaygiveyouashorternoticeperiod,ifitisreasonableforustomanageamaterialandimmediaterisk;

(c)Ifthereisachangeto,orintroductionofagovernmentchargethatyoupay,inwhichcaseNABwilltellyouaboutitreasonablypromptlyafterthegovernmentnotifiesusofit(howeverNABdoesnothavetonotifyyouifitispublicisedbythegovernment);and

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(d)Ifthereisachangethatreducesyourobligations(forexample,areductioninafeeorcharge),NABmaygiveyouashorternoticeperiod,ornonoticeperiod(inwhichcaseNABwillgiveparticularsofanysuchchangeassoonasreasonablypossibleafterthechangetakeseffect),howeverNABwillonlygiveyoushorternoticeornonoticewherethisisnotinconsistentwithNAB’sobligationsundertheBankingCode(orwhereitappliestheePaymentsCode).

8.4 Methods of communication

(a)Subjecttothisclause8.4,NABmaygiveyounoticeselectronicallyorinwriting(includingbywayofstatementsincludedonyourstatementofaccountortotheextentconsistentwiththeePaymentsCodeandBankingCodebyadvertisinginnationalorlocalmedia).

(b)Totheextentpermittedbylawandsubjecttoclause8.5,notices,statements,certificates,consents,approvalsandothercommunicationsinconnectionwiththetermsandconditionsinthisbookletfromNAB,maybegivenelectronically:

(i) byelectronicmeans,includingbySMS,electronicmailtoyournominatedelectronicaddressorpushnotificationtoanyNABappNABmaymakeavailabletoyou;

(ii) bymakingitavailableatNAB’swebsite;

(iii) ifyouuseanonlinebankingserviceprovidedbyNAB(eg.NABInternetBankingorNABConnect),bybeingmadeavailablethroughthatservice;or

(iv) byanyothermeansNABagreeswithyou.

(c)WherecommunicationsaremadeavailablethroughNAB’swebsiteorthroughaNABonlinebankingservice,NABwillletyouknowtheinformationistherebysendingyouanSMSoremailtothecontactdetailsNABhasonfile,orbypushnotificationfromanyNABapporanyotheragreedmethod.

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(d)YoucanchoosetoreceivenoticesorstatementsinpaperbygivingNABnotice.Whereyourproductorserviceisdesignedexclusivelyforelectronicuse,papernoticesandstatementsareonlyavailableinlimitedcircumstances.

8.5 For the purposes of clause 8.2(d):

(a)Youmayrequestapapercopyofacommunicationgivenelectronicallywithinsixmonthsoftheelectroniccopybeingreceivedormadeavailable(oriftheePaymentsCodeapplieswithin7yearsoftheelectroniccopybeingreceivedormadeavailable).

(b)Acommunicationisdeemedtobereceivedwhenthecommunicationenterstherecipient’sdesignatedinformationsystemoriscapableofbeingviewedfromarecipient’scomputer,andiseffectivewhenreceivedevenifnopersonisawareofitsreceipt.

(c)Forthepurposesofcommunicationssentbyelectronicmailandthe‘Electronic Transactions Act 1999(Cth)’,theserveronwhichthemailboxforthedesignatedaddressresidesistobetakentobetherecipient’sdesignatedinformationsystem.

(d)Acommunicationisdeemedtobesentfromwherethesenderhastheirplaceofbusinessandisdeemedtobereceivedwheretherecipienthastheirplaceofbusiness.

Forthepurposesofthisclause:

(i) ifthesenderorrecipienthasmorethanoneplaceofbusiness,theplaceofbusinessisthesender’sorrecipient’sprincipalplaceofbusiness;and

(ii) ifthesenderorrecipientdoesnothaveaplaceofbusiness,theplaceofbusinessisthesender’sorrecipient’susualplace.

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9. ePayments Code and the Banking Code

9.1 ePayments Code warranty

NABwarrantsthatitwillcomplywiththerequirementsoftheePaymentsCodeforallEFTTransactionsonnominatedaccountsotherthanBusinessEFTTransactions.

9.2 Banking Code

NABhasadoptedtheBankingCodeandrelevantprovisionsoftheCodeapplytothisbankingservice,ifyouareanindividualorasmallbusiness(asdefinedintheNABPurchasingandCorporateCardsFacilityTermsandConditions).

YoucanobtainfromNABuponrequest:

(a)informationonNAB’scurrentinterestratesandstandardfeesandchargesrelatingtothisbankingserviceifany;and

(b)acopyoftheBankingCode.

TofindoutmoreabouttheBankingCode,visitnab.com.auandlookup‘BankingCode’.

10. Discretions

WherethesetermsandconditionsconferadiscretiononNAB,NABwillexercisethatdiscretionreasonablyandinaccordancewithitslegitimatebusinessinterests.

11. Governing law

ThetermsandconditionsinthisbookletandthetransactionscontemplatedbythesetermsandconditionsaregovernedbythelawinforceinVictoriaandeachpartyirrevocablyandunconditionallysubmitstothenon-exclusivejurisdictionofthosecourts.

12. Meaning of words

ThefollowingdefinitionsapplythroughouttheseNABPurchasingandCorporateCardElectronicBankingConditionsunlessotherwisestated:

‘accountholder’meansapersonwhohasanaccountintheirownnameor,ifinjointnames,inrespectof

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whichNABmayactontheinstructionsofanyoneormoreofthem.

‘ATM’meansAutomaticTellerMachine.

‘Banking Code’meanstheversionoftheBankingCodeofPracticeaspublishedbytheAustralianBankingAssociationwhichapplies,orthatweagreeapplies,toyourfacility.

‘business account’meansanaccountthatisdesignedprimarilyforusebyabusinessandestablishedprimarilyforbusinesspurposes.

‘business customer’meanstheaccountholderinrespectofanominatedaccountwhichisabusinessaccount.

‘business day’meansadayotherthanaSaturdayorSundayoradaygazettedasapublicholidaythroughoutAustralia.

‘business EFT transaction’meansthepartofanelectronicfundstransferwhichisthedebitingofvaluefromorcreditingofvaluetoanaccountthatisdesignedbyNABprimarilyforusebyabusinessandestablishedprimarilyforbusinesspurposes.

‘card’meansacardissuedbyNABforuseinrelationtoyouraccount.ItmayincludeNABDebitCard,VisacreditcardandDepositOnlyCards.

‘card account details’means:

(a)yourcreditcardnumber;and

(b)yourcreditcardexpirydate,assetoutonyourcreditcardoranyrepresentationofthosedetailswhichallowatransactiontobeperformed.

‘cardholder’meansapersonwhohasbeenissuedacardoranyotherpersonwhohasbeennominatedbyanaccountholdertooperateonanominatedaccountandwhohasbeenissuedacard,orotherwiseauthorisedbyanaccountholdertouseanaccountholder’scardorcardaccountdetails.

‘contactless authorisation method’meansthemethodofconfirmingyourauthoritytomakeacontactlesspurchase,ifany.

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‘contactless purchase’isamethodofauthorisingpurchases:

(a)bywavingortappingacard(whichiscapableofmakingacontactlesspurchase)infrontofacontactlessreaderwithouthavingtoinsertorswipethecard;or

(b)whenavailable,wavingortappinganeligibledevice(e.g.mobilephoneorwearabledevice)infrontofacontactlessreadertotransmitcardaccountdetailsusingNearFieldCommunicationandcomplyingwithanyrequiredcontactlessauthenticationmethod.

‘contactless reader’isanelectronicdeviceatamerchantwhichcanbeusedtomakeacontactlesspurchase.

‘deposit only card’meansadebitcardissuedbyNABwhichcannotbeusedtoauthorisewithdrawalsfromnominatedaccounts.

‘digital wallet’meansanapplicationonyourelectronicdevice(forexampleamobilephoneorwearabledevice)oranonlineplatformthatstoresyourcardaccountdetailswhichallowsyoutomakeacontactlesspurchase.

‘EFTPOS terminal’meansanElectronicFundsTransferatPointofSaleterminal.

‘EFT transaction’meansafundstransfertoorfromanaccountwhichisinitiatedthroughelectronicequipmentusingacarddetailsand/orcard,cardaccountdetailsorPINorcontactlessauthenticationmethod(oracombinationofoneormoreofthem)todebitorcreditanominatedaccountbutdoesnotinclude:

• anyfundstransferwhichisauthorisedbyacardholderphysicallysigningadocument;or

• anyfundstransferthroughaNABchannelwithseparatetermsandconditionssuchas:

(i) NABTelephoneBanking;

(ii) NABInternetBanking;

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(iii) NABOnlineCorporate;or

(iv) NABOnlineBusiness.

‘electronic equipment’meansanyelectronicequipmentwhichmaybeusedinconjunctionwithacardorcardaccountdetailsincludingATMs,EFTPOSterminals,contactlessreaders,personalcomputers,telephones,wearabledevicesordeviceswithintegratedvirtualassistantstocarryoutanEFTtransaction.APINmaynotalwaysberequiredaspartoftheauthenticationmethodwhenmakingpurchases/paymentviadigitalwallets(e.g.onamobilephoneorwearabledevice)and/orthroughdeviceswithintegratedvirtualassistants.

Alternativeauthenticationmethodslikeadevicecodeorbiometricidentifier(likefingerprint,voiceandfacialrecognition)mayberequiredinplaceofaPIN.

‘ePayments Code’meanstheePaymentsCodeissuedbytheAustralianSecuritiesandInvestmentsCommissionandsubscribedtobyNABon20March2013.

‘merchant’meansaproviderofgoodsandservices.

‘NAB’meansNationalAustraliaBankLimitedABN12004044937anditssuccessorsandassigns.

‘Near Field Communication (NFC)’isaformofcontactlesscommunicationavailableoncompatibledevicessuchassmartphones,tabletsorwearabledevices.

‘nominated account’meansanaccountwhichcanbeaccessedbyusingyourcardandPINand/orcardaccountdetailsasauthorisedbytheaccountholder.Thisalsoincludesanaccountthatyouhavedesignatedasyourmainaccountunderclause2.

‘PIN’meansthepersonalidentificationnumberallocatedbyNABorpersonallyselectedbyyou.

‘receipt’meansarecordofanEFTtransaction.

‘unauthorised transaction’meansanyEFTtransactionwhere:

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• youdidnotengageinorhaveknowledgeoforconsenttotheEFTtransactioneventhoughyourcard,cardaccountdetailsand/orthecorrectPINorcontactlessauthenticationmethodwereusedtogeneratethedisputedEFTtransaction;or

• throughatechnicalmalfunctionyoudiduseyourcard,cardaccountdetailsand/orPINandtheEFTtransactionenteredinyournominatedaccountdiffersinvaluefromthereceipt.Pleaserefertoclause4.1.

‘you/your’meansacardholderoranaccountholder.

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Summary of important information

Customer Service

Youcancontactusby:

• calling13 10 12andselecttheoptiontospeaktoaCustomerServiceRepresentative;

•visitingourwebsitenab.com.au;

• hearingimpairedcustomerswithtelephonetypewriterscancontactusviatheNationalRelayServiceon133677.

Lost/stolen cards/compromised Personal Identification Numbers (PINs)

Ifyourcardhasbeenlost/stolenand/oryourPINiscompromisedordivulgedyoumustimmediatelynotifyNABandprovideanyinformationabouthowtheloss/incidentoccurredbycallingoneofthefollowingnumbers,orusinganyothermeansNABmakesavailabletoyou.

Within Australia

•Freecall1800033103(24hoursaday–tollfree)

If Overseas

• Internationalcode+61386419121

Unauthorised transactions

Ifyoubelievetherehasbeenanunauthorisedtransactionusingyourcardand/orcardaccountdetails,pleasenotifyNABbycalling131012andselecttheoptiontospeaktoaCustomerServiceRepresentative.

NAB PIN

YoumaychangeyourPINasfrequentlyasyouwishatselectedNABAutomaticTellerMachines(‘ATMs’)orbyloggingintoNABInternetBankingorthelatestversionoftheNABapp.Refertoclause6.5ofPartBforfurtherguidanceonPINselection.ForacompletelistofATMlocations,pleasecontactNABby:

•visitingnab.com.au;or

• calling 13 10 12andselecttheoptiontospeaktoaCustomerServiceRepresentative.

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ATM emergency

ToreportanATMbreakdownormalfunction,oralternatively,toqueryacurrentATMtransaction(suchasacardnotreturnedbyATMorincorrectcashdisbursement),pleasecontactNABby:

• calling13 10 12andselecttheoptiontospeaktoaCustomerServiceRepresentative;

• calling,freecall1800 036 066afterhours.

Note: AspartofNAB’ssecurityprocedures,transactionsconductedatATMsmaybephotographed.

Things you should know

NABrecommendsthatyoupromptlyreadeachstatementcarefullyassoonasyoureceiveit.IfapplicableyoumayalsowishtocheckyourcurrenttransactionhistoryviaNABInternetBankingorNABTelephoneBanking.

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Formoreinformationcall

13 10 12visitusatnab.com.au oraskatyourlocal branch

Hearingimpairedcustomerswithtelephonetypewriterscancontactuson13 36 77

© 2020 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 A156476-0720