Effective 1 May 2017

These terms and conditions set out the terms and conditions for your Australia Post Visa Prepaid Gift Card. It's important you read this document carefully.

The Australia Post Visa Prepaid Gift Card ('Card') is issued by Heritage Bank Limited ABN 32 087 652 024 AFSL 240984 Australian Credit Licence 240984 ('Issuer'). The Issuer can be contacted at PO Box 190, Toowoomba, QLD 4350, and phone 13 14 22. Australian Postal Corporation ABN 28 864 970 579 is the distributor of the Card and is responsible for providing various cardholder services. In these terms and conditions any reference to 'we' or 'us' is a reference to the Issuer; 'you' are the Card purchaser or user of the Card.

Card balance, transaction history and important notices about your Card are available at auspost.com.au/giftcards

1. By signing the back of the card, or using the Card, you agree to be bound by these terms and conditions. The Card must be signed and, if purchased online, activated in accordance with our instructions before use. You must give these terms and conditions to the user of the Card if it is not you. The Card remains our property. Once a Card has been signed neither it, nor the contract between you and us is transferable by you. The Card may only be used by the person who has signed it. We may transfer this contract to someone else.

2. The Card is available for purchase in fixed denominations of $50, $100 or $200.

3. The Card is a Visa Prepaid card that can be used for purchasing goods and services where Visa Prepaid cards are accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions). The Card is not a credit card and nor is it linked to a deposit account with us. Some merchants may choose not to accept Visa Prepaid cards. Merchants or other providers may impose limits on the use of your Card. We are not responsible if a merchant refuses to accept a Card. If you have a complaint or concern about goods or services purchased with your Card, you must resolve this directly with the merchant. Any refunds on Card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the Card, cash refund or in-store credit. If the Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction was made using the Card) then you will have no access to those funds.

4. The Card cannot be used to obtain or redeem cash (for example at ATMs or over the counter at financial institutions) and cannot be used for making direct debit, recurring or regular instalment payments. Authorisations may be declined at some merchants (such as gambling merchants or merchants who choose not to accept Visa Prepaid cards). We are not liable in any way when authorisation is declined for any particular transaction except where the authorisation has been declined because of an act or omission on our part. You may use the Card as often as you like until the available balance is spent or the Card has expired. The available balance cannot be exceeded. Where a purchase exceeds the available balance, you need to pay the excess using another payment method, if the merchant agrees. The Card can be used on more than one occasion but cannot be used to make transactions that exceed the available balance.

5. When using the Card with some merchants (such as hotels, taxis, rental cars, restaurants and cruise ships) or for mail order purchases, Card "tolerance limits" may apply. This means that the authorisation or approval obtained on the Card can be for an amount up to 20% or more than the total bill (or anticipated bill) to cover additional items such as tips and incidentals or to ensure that adequate funds are available to cover the final purchase. The entire amount of the authorisation or approval will be debited and will not form part of the available balance until the authorisation or approval clears, although only the amount actually spent or authorised will be finally deducted from the available balance after the authorisation or approval clears.

6. You may use the Card as often as you like until the available balance is spent or the Card has expired. The available balance cannot be exceeded. Where a purchase exceeds the available balance, you need to pay the excess using another payment method, if the merchant agrees. The Card can be used on more than one occasion but cannot be used to make transactions that exceed the available balance.

7. The Card is not reloadable and is valid until the expiry date shown on the front of the Card and cannot be used after expiry. Any remaining balance on the card at expiry will be forfeited. We will not give you any notice before this happens.

8. Card Fees

The following fees apply to your Card:

Card purchase price (one-off) $5.95
Getting your balance - SMS FREE
Balance and transaction history - Online FREE
Balance and transaction history - Phone FREE
Foreign currency conversion fee 3% of the AUD amount of the transaction value applies when you make a transaction on your Card in a currency other than AUD or you make a transaction on your Card in any currency (including AUD) that is processed by a Card scheme or billed by the merchant outside of Australia.
Card purchase price (one-off) $5.95
Support calls FREE

9. All fees will be deducted directly from the available Card balance at the time the transaction or action is carried out. Subject to any applicable law, we may deduct from the Card Value any government duties, taxes, rates or charges now or in the future charged upon or in relation to the use of your Card or transactions deducted from the Card Value, whether or not you are primarily liable for such duties, taxes, rates or charges.

10. When you make a transaction on your Card in a currency other than AUD, a foreign conversion will be performed at the applicable exchange rate and a Foreign Currency Conversion Fee will be applied to the AUD amount of the transaction. The applicable exchange rate used is either:

a. a wholesale market rate selected by Visa from a range of wholesale rates one day before the transaction is processed by Visa; or

b. the government-mandated rate in effect for the applicable processing date.

11. The Card is like cash. We have no obligation to replace or refund value for misused, lost or stolen Cards except where we have breached any condition or warranty implied under consumer protection legislation that cannot be excluded in these terms and conditions (for example, warranties as to the exercise of due care and skill in providing services and as to fitness for purpose of materials we provide). A request to replace a damaged Card may be made by calling us on 1300 882 094 between 8am and 6pm Monday to Friday (excluding national public holidays). Replacement Cards cannot be sent to an address outside of Australia. If a replacement Card is issued, the replacement Card will be loaded with the available balance on the Card at the time of replacement.

12. You are liable for all transactions on the Card, except where there has been fraud or negligence by us. If your Card has been lost or stolen, or if you believe an error has occurred in relation to your Card or the Card has been misused, please call us on 1300 882 094 in Australia. Lost or stolen Cards will not be replaced so keep your Card secure at all times.

13. To protect your Card, you should:

a. Sign it as soon as you receive it;

b. Carry it with you whenever you can;

c. Regularly check that you still have your Card and check your transaction history online; and

d. Not allow anyone else to use a Card that you have signed.

14. You are responsible for checking your transaction history online and knowing your available balance. You can check your balance and transaction history at auspost.com.au/giftcards free of charge or via SMS using your mobile phone (without blocked caller ID) text POST BAL followed by your 16 digit Card ID number (on the back of your card) to 0457 777 678 (0457 77 POST) and include the spaces as follows "POST BAL 1234567812345678" (a fee of $0.25 applies per SMS).

15. If you have a complaint, please call us on 1300 882 094 from within Australia or +61 1300 882 094, from outside Australia.

16. We will handle all complaints according to our internal dispute resolution procedure (and the ePayments Code, where the complaint relates to a transaction covered by the ePayments Code).

17. Our dispute resolution procedure requires that we seek to resolve your complaint within 21 days, although it is not always possible to do so. If we are unable to resolve your complaint to your satisfaction within 45 days, you may be eligible to escalate the complaint to the Issuer's external dispute resolution service. The period of 45 days may be extended in exceptional circumstances or where the Issuer decides to resolve the complaint under the rules of the Visa scheme. If you wish to escalate the complaint, please tell us and we will facilitate the referral free of charge.

Our external dispute resolution service is:

Australian Financial Complaints Authority (AFCA)
GPO Box 3, Melbourne VIC 3001
Phone: 1800 931 678
Website: www.afca.org.au
Email: info@afca.org.au

In addition, you may contact the Issuer by:

Phone: Australia: 13 14 22
Opening hours: 8.30am - 7pm AEST Mon to Sat
Overseas: +61 7 4690 9000
Opening hours: 8.30am - 5pm AEST Mon to Fri

Mail: write to:
Heritage Bank Limited,
PO Box 190 Toowoomba, QLD 4350

Fax: write to fax number:
Australia: 07 4694 9782
Overseas: +61 7 4694 9782

18. We may restrict or stop the use of the Card if suspicious activities are noticed.

19. The Issuer is a subscriber to the ePayments Code. The Issuer warrants that for as long as it remains a subscriber to the ePayments Code, it will comply with it in our dealings with you relating to the Card.

20. We reserve the right to change these terms and conditions at any time. Except where we are required by a law or a Code to do so, you will not receive advance personal notice of such changes. Changes will be notified via auspost.com.au/giftcards or by using another method that the law or relevant Code allows or requires us to use. The current version of these Conditions of Use will be available at auspost.com.au/giftcards.

21. If we fail to exercise or delay in exercising any of our rights under these Conditions of Use, that failure or delay does not constitute a waiver of our rights.

22. These Conditions of Use are governed by the law of Victoria.