e-banking

Introduction:We office a varicty of card and

electronic assess services (e-banking) that
utitise a card or elrctronic equipment .These
include the following .
1- Tlephone banking .
2- Net banking (Internet banking ) .
3- Mobile phone application .
4- BPAY and BPAY view .
5- ATM .
6- Debit master card .
7- Keycard (debit card ).
8- TAP & PAY .
9- EFTPOS TERMINALS .
10- Masetro /cirrus master card and vias plusnt
work .
E-banking offier the convenicene of conducting
most of your banking transaction a time that
suits you . You can access fundes and make
purchases 24 hours a day . 7 day a week .
INFORMATION
About these troms and condition

1- Using electronic :When youmake a transaction

with electronic equipment you athorise us to
act on the instruction entered in to that
electronic equipment . The conditions extends
to transactions dectronic equipment that is
not owhed by us .
2- Aer governed by the terms and condition in this
brochure and servies being used . The
electronic banking terms and conditions
reflect the epayments code which we have
adopted . We warrant that we will comply with
epoyments code .The epoyments code is not
appticable to purchas .
Dibit mastr card where you sing to authorise
the transaction (but charge back protection
may be available in that situation ) . See
pages 20 &21carge back information .
Meaning:1- Account :Any account with access to
electronic banking .

2- Access method :Aethode wemake available to

users in orde for them to give us instruction on
to debit on EFT accounts .
An access method and codes or a of components
in cluding of these . It does not include a
written specimen is the principlal means of
authenticating a users authority to give the
instouction .
3- BPAY scheme or BPAY:The electronic payments
scheme through which a user may instruct us to
make payments BPAY payments on your be help
to organisation (Billers) who have a dvised
that you can make payments to them through
this scheme . We will tell you if we cease to be
member of the BPAY scheme .
4- Commanication net work :The communication net
work through which we make a service
available to you tromtime to time.
5- Common bank app :Means an app for copatible
in phone an droid and windows phone 8 devies
that we make a vailable that we make

available to common welth . Bank customers

registered for net bank with net code sms .
6- Debit master card:Includes purchases mode via
pay pass using a device attached to amobile
phone .
7- E-banking :e

A range of banking services that

utilise electronic equipment ineluding telphone

banking net bank mobile phone applications
ATMS EFTPOS, Debit master card key cards BPAY
and view EFTPOS maestro cirrus master card
and visa plus and auto mated funds transf rs
(AFTS) .
Terms

And

Conditions

1- Ways to access your account:Find out more

about the e-banking services available to
you as well as account acces methods such
as card PINS and passwords .
2- Using viop :What you need to consider when
using voip (voic over internet protocal ).
3- Using net bank and shopping online :-

Find out
more about the special conditions when using
net bank and shopping online .
4- Using your debit master card :We explain when
you can choose the credit or savings options
to access your funds . We also tell you about
authorisations recarring transactinos
refunds and cloiming acharge back .
5- Find out how you can elect to receive natices
and accounts stratments electronically if
you are a net bank user and tell us your
email address .,
Ways to accoss your account :To find out
more about e-banking or to get help with
using electronic equipment net bank or
telephone banking please refor to for
cantact detals .