1 BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD User Guide
2 Table of Contents Page No Welcome 2 Know your Visa Classic Debit Card 3 Important Information 4 Keeping your Visa Card safe and secure 5 Conditions of use 6
3 WELCOME Bank of Baroda (New Zealand) Limited is a registered Bank in New Zealand and wholly owned by Bank of Baroda, India. Bank of Baroda, India is one of the large public sector Bank in India having more than 3000 branches and presence in more than 25 countries. It is India s International Bank. It is regarded as one of the finest bank carrying the legacy of excellent customer service and we bring this legacy to New Zealand. Your Visa Debit Card enables you to transact and at shop where PAMARK EFTPOS is available in New Zealand. Our card may not be accepted in few of EFTPOS.This opens up a world of opportunity and convenience. Please read this guide before using your Card. You agree to be bound by these conditions of use by signing or using your Card. Wishing you an enjoyable relationship with Bank of Baroda (New Zealand) Ltd
4 Know your Bank of Baroda (New Zealand) Visa Card 1. CARD NO: There will be a 16 digit UNIQUE Card number, which is indented on the Card. You are requested to quote this number in all correspondence with the Bank. 2. VALID UP TO: The validity period is mentioned as MM/YY. The Card will be valid up to the last day of the month of the year mentioned of the Card. 3. ELECTRONIC USAGE SYMBOL: In case of transactions at point of sale at New Zealand merchants, the Debit Card can only be used at merchant outlets which have electronic swipe terminals of PAYMARK and PIN pads for entering your PIN. It may not be accepted in some Eftpos 4. VISA Symbol: The Card will be accepted at all PAYMARK merchant outlets displaying Eftpos acceptance and VISA Symbol. 5. NAME: Only the person, whose name is mentioned on the Card, is authorized to use the Card. 6. SIGNATURE PANEL: Please sign on this panel immediately on receipt of Card with a non-erasable ballpoint pen (preferably in black ink). This will ensure that the benefit of membership goes only to you, as you will be required to sign on the charge slips exactly as per the signatures on the panel. 7. MAGNETIC STRIP: There is a magnetic strip, which has built-in security features. You are requested to prevent it from exposure to magnetic fields, which may cause distortion in the information contained on the strip. 8. CVV2: CVV2 is important security feature for Visa Debit transactions on the Internet and over the phone. CVV stands for Card Verification Value. It is the last three-digit number printed in the signature space on the back of your Card. Important Information ACTIVATION For your safety the Card is sent to you inactive before use at Eftpos and Visa outlets. Therefore, the Card sent to you needs to be activated at BOBNZ ATM prior to using it at any other device. The customer will be required to change the PIN at a BOBNZ ATM and after a successful PIN change transaction Card will be activated by bank staff after due verification. PIN MAILER PIN stands for Personal Identification Number. You are requested to memorise the PIN and destroy the mailer afterwards. USAGE BOBNZ Visa Debit Card is extremely easy to use. You will have the option to use the Card to:
5 Withdraw cash from the BOBNZ ATMs network, whether installed in the branch premises or elsewhere in New Zealand. Withdraw cash at any ATM whether in New Zealand or Overseas which accept VISA Make purchases at Eftpos outlets and merchants anywhere in New Zealand with PAYMARK terminals only or overseas who accept VISA Make online purchase via the internet and phone at any New Zealand or overseas merchant who accepts VISA Your Visa Debit Card works in the same way as a credit card for purchase transactions at merchant outlets, with the only difference being that you will be able to spend only upto the balance available in your account as transaction amount is directly debited to your account. You will however, be required to use your PIN for any domestic electronic Eftpos transactions. When using your card at domestic electronic Eftpos merchants press the CHQ or SAV option depending on which account is linked to your Card and then enter the PIN when prompted. OVERSEAS USAGE BOBNZ Visa Debit Card is valid both in New Zealand and overseas. Certain additional charges apply when using the Card overseas. Please refer to our website for more details. Online transaction through Internet or phone You can use BOBNZ Visa Debit Card for online purchases and shopping through internet or over the phone. You will need the Card number, expiry date, the name on the Card and the three-digit CVV2 code which is on the back of your Card. Additional Cards Additional Cards can be issued to other joint account holders of the account, provided the other joint account holder can also operate the account individually. A fee for each additional Card will apply. KEEPING YOUR CARD SECURE AND SAFE Your Visa Debit Card is as good as cash and it is extremely important that you know where it is at all times. If the Card is on unauthorised hands, it could be misused and you could be put into loss. The safety of the Card is of the utmost importance. Here are a few tips Simply don t let anyone else use the Card, whatever the emergency Never let anyone know your PIN If the Card is lost, notify the Bank immediately Always ensure that your Card is used in your presence when transacting at merchant outlets and never sign an incomplete sales slip
6 Conditions of Use Bank of Baroda (New Zealand) Ltd -- BOBNZ BOBNZ Visa Debit Card Following are the conditions of an agreement between us, Bank of Baroda (New Zealand Limited, 114, Dominion Street, PO Box Auckland 1446 and you. You agree to be bound by these Conditions of Use. As soon as you sign or use BOBNZ Visa Debit Card you are deemed to have agreed to the conditions of use in this document. 1. Definitions In these Conditions of Use the words and phrases referred to below are defined as follows: Accounts - means your nominated Bank of Baroda (New Zealand) Ltd accounts which can be accessed with your Card and Account means any one of them. ATM - means an Automatic Teller Machine. Bank means Bank of Baroda (New Zealand) Ltd, registered in New Zealand Branch means any Branch of Bank of Baroda (New Zealand) Ltd Branch terminal means each of the computer terminals installed at the service counters at our branches Card - means your BOBNZ Visa Debit Card issued by us under these Conditions of Use (including renewal and replacement Cards). Conversion Rate - means the exchange rate selected by Visa or us (as the case may be) from within a range of wholesale exchange rates available or, if applicable, the government mandated rate. In either case the exchange rate will be selected on the date that Visa or we convert the currency on the Overseas Transaction, which may differ from the date on which the Overseas Transaction itself occurred. EFTPOS means Electronic Funds Transfer at Point Of Sale. EFT means Electronic Funds Transfer Overseas Transaction means a Transaction made in a currency other than New Zealand dollars and/or made with a merchant in a country other than New Zealand. PIN means the Personal Identification Number which you may have selected for your Card which allows you access to Transactions through an ATM or EFTPOS terminal. Transaction means all the transactions debited to your Accounts, such as the purchase of goods or services or cash withdrawals, and includes transactions using an ATM, teller s terminal or EFTPOS terminal, and remote purchases such as mail, telephone, internet, and recurring bill payments. Visa International Service Assessment means the charge imposed on us by Visa and passed on to you when you use your Card to perform an Overseas Transaction we, us, our, or BOBNZ means Bank of Baroda (New Zealand) Limited. you or your means the person(s) in whose name an Account has been opened or a holder of a Card, depending on the context.
7 2. Your Card and PIN 2.1 Card The Card will be issued only after we have received satisfactory evidence of your identity. As soon as you receive the Card, you must sign your Card immediately. You must not use the Card until you have signed it. You must not use your Card for anything illegal, or allow anyone else to use your Card, Card number or PIN and must keep them safe from theft or fraudulent use. 2.2 Ownership of the Card The Card and the Card number belongs to BOBNZ. You must not copy or reproduce the Card. If BOBNZ asks you to return or destroy the Card you must do so. 2.3 Selecting your PIN You will be required to have a PIN on your Card. We recommend PIN usage as a preferred method of verification. You will need a PIN to use your Card to access an ATM and for most Transactions. When you select your PIN, you should choose a number that you will be able to remember easily. You must not choose unsuitable numbers such as birth dates, sequential numbers (e.g ), number combinations that may be easily guessed (e.g.22222), parts of your telephone number, parts of numbers in the order in which they are printed on your Card, drivers license no or any other numbers easily connected with you. 2.4 Protecting your Card and PIN safe and secure For your security against Card fraud you should observe the following meticulously Do not write your PIN number anywhere, especially not on the Card. Instead memorise it. Do not disclose your PIN number to any one including police, family members, or bank staff. No one is expected to know your PIN number other than yourself While carrying out a transaction make sure no-one can see you enter your PIN at ATMs or when using EFTPOS, or see your Card details when using a computer to shop online. You must exercise every possible care to ensure safety of your Card. Do not leave your Card in an unattended vehicle, wallet or purse or anywhere where a thief could remove a Card without being noticed (for example in nightclubs, hotels or restaurants). Let no one use your Card other than yourself. Always remember to take your Card back after using it. Tell us if you change your address. Report the loss or theft of your Card as soon as you come to know about it. When using your Card online ensure there is https in front of the web address and that there is a padlock or other security symbol on the web page. Never your Card number.
8 2.5 Lost or stolen Cards/PINs You must contact us immediately if: your Card is lost or stolen your PIN becomes known to someone else a record of your PIN is lost or stolen If you are in New Zealand, contact the Bank at: Bank of Baroda (New Zealand) Limited. 114, Dominion Road, Auckland Phone (09) (During working hours) If you are overseas, Phone Note: You will be required to provide information on how the loss occurred. You must give us any information we ask for regarding the loss, theft or misuse of our Card or PIN. We may pass this information to the Police, Visa or merchants. If we request that you lodge a formal complaint with the Police, and you do not do so, we may decline liability for any loss you suffer. At your request, we will send you a replacement Card. A replacement fee may apply. 3. Your Account and statements You have to nominate the accounts that you would like to access with your Card. Access is limited to a maximum of three accounts. Cards can only have access to accounts where only one authorised signatory is required to operate the account. Where more than one account is nominated you must nominate a default Account. All Transactions other than where Cheque or Savings is selected at the point of sale will be debited from your default account, for example, remote purchases such as mail, telephone, internet, and recurring bill payments and most Overseas Transactions. You must tell us if your name, telephone number or address changes at any time. Your statement will be made available to you monthly unless you elect otherwise. 4. Card Transactions 4.1 Card Usage You may use your Card to make EFTPOS Transactions in New Zealand with any merchant or bank displaying the Visa symbol, and in any ATM displaying the BOBNZ or Visa symbol. You may use your Card to make Transactions overseas with any merchant or bank displaying the Visa symbol, and in any ATM displaying the Visa or Visa PLUS symbol. However, we will not be held liable if any merchant or bank either refuses to accept the Card or will not allow the Card to be used for purchase goods and services.
9 Use of your Card constitutes an irrevocable order to us and you may not stop payment of a transaction made using your Card. If you initiate a Transaction with your Card by Eftpos, mail order, telephone order or via the Internet you are authorising the Visa merchant to process a Transaction for the purchase amount which will be debited to your Account. Once you have made a Transaction, you cannot cancel it. There are limited circumstances where we may be able to reverse a transaction; these are subject to the Visa rules. For example, we cannot reverse a transaction where there is a dispute with a merchant about the quality of goods and services. We will not be responsible for the goods and services supplied by any merchant. Any complaints you have with the merchant must be resolved by you. We will not be held liable if you are unable to: complete a purchase using your Card; or access ATMs in New Zealand or overseas; or withdraw funds for any reason whatsoever including technical problems. You should maintain sufficient funds in your account including minimum balance. In the event of a transaction resulting in overdraw of any Account, additional charges will apply. Details of these charges are available in our web site or you can contact our branch at 114, Dominion Road, Auckland 4.2 Account Debit All transactions made through your Card will be debited to your account on the day the transaction is made or as soon as possible thereafter subject to the Banks right to vary the date of debiting due to circumstances beyond our control. When you use your Card in an electronic funds device other than Bank of Baroda (New Zealand) Ltd ATM or Branch terminal, the transaction will be processed as soon as we are notified by the bank that owns the electronic funds device that you have used. 4.3 Using your Card overseas - You can use your Card to make Overseas Transactions. Overseas, the Card will be accepted by banks and merchants displaying the Visa symbol and at any electronic funds devise Visa. The use of the Card for foreign currency transaction is subject to exchange controls and other government requirements, custom duty and taxes. All such charges are to your responsibility. - Visa processes and converts into New Zealand Dollars, cash advance, purchases and or charges made in foreign currency at the rate(s) of exchange determined by Visa. Transactions made in United States Dollars and Australian Dollars are converted directly into New Zealand Dollars. Visa converts transactions made in other foreign currency into United States Dollars before converting them into New Zealand Dollars. - A foreign currency conversion commission of 2.5% will be charged by the bank on any foreign currency transaction. Details of this fee are available in our service charges at our web site. 4.4 Cash withdrawals and daily limits - You may use your Card to make cash withdrawals from your Accounts. Your daily limits will be subject to the available funds in your Accounts and any lower maximum withdrawal amount we may allow on your Account. These are:
10 a maximum amount of $1000 for withdrawals via ATMs and EFTPOS from any account or combination of accounts that can be accessed by your Card; and a maximum amount of $5,000 for the purchase of goods and services from any or all accounts that can be accessed by your Card We may, at our discretion, and by giving you 14 days notice limit the maximum amount you may withdraw from any or all of your Accounts during any specified period. - If you use your Card to make withdrawals from an overseas ATM, displaying your Card symbol, different limits may apply. We have no control over these limits. We may charge you a cash withdrawal fee. - You will be obliged to pay any amounts debited to your accounts which exceed the daily transaction limits. In addition, there may be daily limit on the number of transaction you may make using Visa Classic Debit Card 4.5 Deposits Deposits for amounts under $10,000 (except coinage) can be made into your own Accounts at any BOBNZ ATM. All deposits are subject to verification by us. Only the verified amount will be credited to your Account. You will not be able to draw against such deposits until they have been verified or a cheque deposited in an ATM has been cleared. 4.6 Pre-authorisation of Transactions An authorisation may be required to be obtained by a bank or a merchant to complete a Transaction. The purpose of an authorisation is to establish that there are no restrictions on the Card and that there are sufficient funds in the Account for the Transaction. If the actual value of a Transaction is not known (e.g. hotel/motel accommodation) a bank or a merchant may obtain an authorisation for an estimated value of the Transaction. Once authorisation is obtained, funds to that extent will be blocked in your account and the available funds in your Account will be reduced by that authorised amount. This authorised amount will remain on your Account until a Transaction that matches the authorisation is processed, or if no matching Transaction is processed, for up to seven days. This means that in some instances your available funds will be reduced by the amount of both the authorised estimated amount and the actual Transaction amount for a period of time. Where this overdraws your Account, normal overdraft charges will apply. 4.7 Transaction disputes - Checking your statements for its correctness and advising us of any mistakes is entirely your responsibility even if you are not living at the address to which you have requested us to send statements. If you believe that a Transaction on your statement is incorrect you must notify us in writing within 30 days of the date the Transaction is charged to your Account, giving full details. Failure to do so within 30 days may mean we cannot reverse the Transaction. - Your notice of a disputed Transaction will be acknowledged by us within 30 days of receipt and report back to you with the result of our investigation as soon as practicable. If our investigation reveals that a mistake did occur, it will be corrected and we will reimburse any related fees or charges.
11 - If you are not satisfied with the result of our investigation you should contact our Brach at 114 Dominion Road, Auckland and request that the matter be reviewed. If you are not satisfied with the outcome of that review you may refer the dispute to the Banking Ombudsman. We will provide you with the contact details for the Banking Ombudsman. With regard to disputes with merchants, refer to the Card usage section under Card transaction 5. Charges We may debit your Account with fees and other charges. These charges are subject to change and full details are provided in the Guide to Fees brochure available at our branch at 114, Dominion Road, Auckland or at web site 6. Liabilities 6.1 Liability for losses which result from lost/stolen Cards/PINs Once you have advised us that your Card has been lost or stolen, or your PIN disclosed, either in New Zealand or overseas and after we have received the information when the card has been blocked, you will not be held responsible for any unauthorised use of your Card after that time, unless you have acted fraudulently or negligently. You will not be liable to pay for any loss that occurs before you notify us except in the occurrence of any of the following events: you have failed to reasonably safeguard your Card, you have kept a written record of your PIN on or with your Card, you have kept your PIN in a form that can be readily identified as a PIN, you have selected an unsuitable PIN, you have disclosed your PIN to anyone, whether family or those in apparent authority including bank staff, or let them use your Card, you have unreasonably delayed notifying us that your Card has been lost or stolen, or that your PIN has been disclosed, you have failed to take all reasonable steps to prevent disclosure to any other person when keying in your PIN, you have acted fraudulently or negligently, or you have breached these conditions of use. In the event of occurrences of above instances, your maximum liability will be the lesser of: the actual loss at the time of notification, or the maximum amount that you would have been entitled to withdraw from your account between the time your Card is lost/stolen and the time you notify us. If your Card gives you access to an account with a credit facility, failure to look after your Card and PIN could result in a substantial loss for which you could be held responsible. There may also be a charge to your account if a replacement Card is required. 6.2 BOBNZ s liability
12 Other than as required by law or as expressly provided in these conditions of use BOBNZ will be not be liable to you in respect of any loss of any nature except in respect of which may be as a result of the failure of Card or associated electronic system (excluding any Card or EFT terminal which is obviously faulty, or in the case of an EFT terminal which has been advised by message notice or display as being faulty) to function properly. We will also be liable for any direct or indirect loss or damage which results from the fraudulent or negligent acts or omissions of our employees or agents. 6.3 Liability for transactions charged to your account You are responsible for all transactions made with the use of your Card or Card number. You will be required to pay us the amounts on all: cash advance and sales vouchers signed or authorised by you or another Cardholder on your account, mail, telephone, internet order or transactions and cycle payments authorised by you or another Cardholder on your account, EFT transactions carried out on your account using your Card(s) or the Card of another Cardholder on your account, other transactions authorised by you or another Cardholder on your account and approved by us. There are risks involved if you or another Cardholder on your account initiates a transaction by mail order, telephone order, internet or by . You are giving authority to the Visa merchant to process an EFT transaction or issue a sales voucher for the purchase amount which will be debited to your account. You should consider the security and standing of the company or entity you are doing business with. If you or another Cardholder on your account initiate cycle payment transactions, i.e. if you agree with a Visa merchant that an amount will be debited against your account on a regular basis, then you are liable for meeting those transaction amounts even if you close your account. In certain circumstances your agreement with the merchant may authorise the debiting of your account with additional purchase amounts without the need for your signature. Provided these amounts have been incurred under the terms of that agreement they may be charged to your account. 6.4 Other liabilities ; In additions to the above, you are also liable for any fees and costs arising from the issue or use of any Card; any statutory duty, levy or charge incurred in relation to Transactions; and any direct costs incurred by us in investigating an unauthorised or disputed Transaction, if that unauthorised or disputed Transaction, after investigation by us, is regarded by us as being an authorised Transaction. 7. Card cancellation We may cancel or replace a Card at any time with or without notice. You may cancel a Card at any time. To do this you must notify us in writing or by phone of the cancellation. Following cancellation of a Card, you are responsible for destroying that Card and you are required to cut the Card in half and return it to any of our Branch. You remain liable for all Transactions, fees, interest or other charges incurred on your Card up to the date it is cancelled.
13 8. Damaged for faulty Cards In the event of your Card becomes damaged or faulty, we will issue you with a new Card when you return the damaged / faulty Card to us, together with a description of how the damage or fault occurred. There may be a charge to your account for this replacement Card. 9. Changes to Conditions of Use, charges and services We may vary any or all of these Conditions of Use at any time. When informing you of a variation to these Conditions of Use, we will: (i)give at least 14 days notice of such variation; and (ii) communicate such changes, either by direct communication, or by displaying such changes in all our branches, or by notice in the media (including public notices). Changes to these Conditions of Use will also be noted on our website. No prior notice of a variation will be given where the variation is to protect you or the security of the debit Card system. We may change fees and charges at any time without notice. We will communicate such changes to you in accordance with Condition (ii). We may at any time add to, modify or withdraw any or all of the services available in respect of your Card. 10. General In addition to these Conditions of Use, the use of your Card is also subject to the conditions which apply to your Account(s).
Visa Debit Card Conditions of Use. Your Visa Debit Card gives you all the benefits of an EFTPOS card and more. That s because now you can shop everywhere you would with EFTPOS and anywhere VISA is accepted.
Get the most from a Westpac Debitplus Visa card. Debitplus, it s the easy way to buy things using your own money. Debitplus is the convenient way to buy products and services. You simply use it to access
Expect to know where you stand with your Visa Debit Card VISA DEBIT CONDITIONS OF USE Acceptance of Conditions of Use 1.1 By using your Debit Card, you agree that these Conditions of Use are binding on:
True Rewards Card Conditions of Use True Rewards ASB Bank Limited 55930 1300 0315 Hello and welcome! These are the conditions of your agreement with ASB Bank Limited, PO Box 35, Shortland Street, Auckland
On 28 May 2015, Kiwibank will be changing its Credit Card Terms and Conditions. View the new Credit Card Terms and Conditions here T s And C s. Credit card terms Effective April and 2012 conditions Effective
Conditions of Use for Westpac Debit MasterCard and Westpac Airpoints Debit MasterCard. As at 26 September 2015 Debit card Conditions of Use These Conditions of Use apply to the Westpac Debit MasterCard
ASB Visa Platinum Credit Card. Conditions of Use and Travel Insurance Policy Wording. Part 1 Credit Card Conditions of Use Section Pg 01. Definitions............................. 1 02. Your Card and PIN........................
Keep in touch. Drop in to any ASB branch Call 0800 803 804 Visit asb.co.nz Visit us at facebook.com/asbbank Follow us on twitter.com/asbbank Credit Card. Conditions of Use. asb.co.nz ASB Bank Limited 13001
Visa Company Card CONDITIONS OF USE This guide is current as at April 2015. This document is a legal contract between you and ANZ Bank New Zealand Limited in respect of the issue, and use of, Visa Company
ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 5 OCTOBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold
Westpac Airpoints TM Credit Card Conditions of Use MasterCard Cards These are the conditions of use for your Westpac Airpoints TM MasterCard account. Please read this document carefully and then keep it
CREDIT CARD Our terms and conditions for Your credit card 1 Introduction and Definitions 1.1 Scope These Terms and Conditions are a contract between you and BNZ. They apply to the use of your Card, including
Gem Visa Conditions of Use gemvisa.co.nz Disclosure Statement Financial Advisers Act 2008 The information provided in this statement is important and may assist you in selecting a financial services provider,
As at 1 August 2015 VISA Card Conditions of Use These Conditions of Use take effect immediately except as otherwise advised in writing and replace all VISA Debit Card Conditions of Use previously issued.
BNZ Advantage Credit Card Terms and Conditions. 1 May 2015 This document contains the terms and conditions that apply to BNZ Advantage credit card accounts operated by you, including the terms and conditions
GOLDFIELDS MONEY LTD VISA DEBIT CARD CONDITIONS OF USE Effective: 20 May 2015 These Conditions of Use take effect on and from 20/05/2015 except as otherwise advised in writing and replace all VISA Debit
Go Home Loan Terms and Conditions Effective June 2014 THE FINE PRINT HOME LOANS CONTENTS PURPOSE OF THESE TERMS AND CONDITIONS 1 The purpose of these Terms and Conditions 4 Status of these Terms and Conditions
credit cards Our terms and conditions for Your credit card Contents PAGE 4 Introduction and Definitions Scope Agreement Read these Terms and Conditions Over-riding laws Guarantees as to service Interpretation
Visa Corporate Card and Visa Purchasing Card Guide Contents Getting Started 1 Sign Your Card Now 1 2 Your Pin 1 3 Your Credit Limit 1 4 Transaction Limits 1 5 Fees 1 Using Your Card 1 Card Transactions
Low Rate Visa Card Terms and Conditions This document forms part of your credit contract and should be read with the Credit Card Contract Schedule which also forms part of your credit contract. 1 Effective
The Community Mutual Group Visa Credit Card Conditions of Use The Community Mutual Group, Hunter Mutual, New England Mutual and Orana Mutual are trading names of Community Mutual Ltd: ABN 21087650360 :
ACCOUNT TERMS AND CONDITIONS Effective April 2013 Contents 1. Purpose of these Terms and Conditions The purpose of these Terms and Conditions... 1 Status of these Terms and Conditions... 1 Alteration of
You should read carefully these Terms and Conditions and the Finance Conditions for the relevant Linked Facility and retain them for future reference. Copies of each of the documents can be made available
VISA credit card Conditions of Use EFFECTIVE FROM 20 MARCH 2013 a refreshing attitude to banking QUEENSLAND COUNTRY CREDIT UNION VISA CREDIT CARD 1 Contents 1. Introduction 3 2. Additional Cards 3 3. Application
Keep in touch Drop in to any ASB branch Call 0800 803 804 Visit asb.co.nz Visit us at facebook.com/asbbank Follow us on twitter.com/asbbank ASB Visa Platinum Credit Card Conditions of Use and Travel Insurance
Big Sky Visa Credit Card Conditions of Use These Conditions of Use are effective from 1 June 2015 except as otherwise advised in writing and replace all VISA Credit Card Conditions of Use previously issued.
BNZ credit card terms and conditions. 11 September 2015 Important Information for new credit card customers When you first enter into your credit card contract with us, we are required to give you certain
David Jones Storecard and David Jones American Express Card Member Agreement, Financial Services Guide and Purchase Protection Terms and Conditions Issued May 2016 DAVID JONES STORECARD AND DAVID JONES
Prepaid Card Terms and Conditions These terms and conditions apply to your Prepaid Card. You must read them carefully. In these terms and conditions "you" means the named Prepaid Cardholder and the authorised
Lombard Finance Pty Limited Phone: 1300 132 302 PO Box 6227, Baulkham Hills NSW 2153 ABN 31 099 651 877 Australian Credit Licence 247 415 V0312 Lombard Visa Card Account Conditions of Use Your contract
Credit Card Conditions of Use Credit Guide. Effective Date: September 2015 This document contains the terms and conditions that apply to St.George Bank Business Visa Debit Card cardholders and to all transactions
7-Eleven Prepaid Visa Card TERMS AND CONDITIONS 03.2013 Terms & Conditions of the Card Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ( ANZ ), AFSL 234527 is the issuer of this 7-Eleven
Debit Card User Guide With Terms and Conditions Welcome to your Bank Leumi (UK) Visa Debit Card About your new Card Thank you for choosing the Bank Leumi Visa Debit Card (the Card / your Card). This guide
Credit Card Conditions of Use. Credit Guide. Effective Date: 20 May 2016 This document does not contain all the terms of this agreement or all of the information we are required by law to give you before
Great Wall International Debit Card (GWI Debit Card) Product Disclosure Statement and Conditions of Use Dated at 24 January 2013 Prepared by Bank of China (Australia) Limited ABN 28 110 077 622 AFS Licence
Westpac Credit Card Conditions of Use MasterCard cards and Visa cards and hotpoints American Express Card(s) These are your Westpac credit card conditions of use. Please read these conditions of use and
ANZ Commercial Card TERMS AND CONDITIONS 11.2015 ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One Containing Terms and Conditions for: Facility Terms and Conditions Electronic Banking Conditions
Visa Credit Card Terms and Conditions Effective 1 March 2015 Important information The credit limit and all cards are offered to you on the terms set out in this Visa Credit Card Credit Contract, which
BUSINESS FIRST VISA CARD Helpful information about BNZ Business First Visa Card Putting your Business First BNZ Business First Visa card is the smart way to manage your day to day business expenses. It
Westpac Debit MasterCard Terms and Conditions for Personal Customers Effective as at 3 February 2015 Your Bank The advisory services and the banking products you ll find in this booklet are provided to
Business MasterCard CONDITIONS OF USE Contents 1 Definitions 2 2 When you receive your card 4 3 The cardholder s personal identification number (PIN) 4 4 Your business card account 5 5 Payments 6 6 Transferring
Actorcard Prepaid Visa Card Terms & Conditions These Terms & Conditions apply to your Actorcard prepaid Visa debit card. Please read them carefully. In these Terms & Conditions: "Account" means the prepaid
Business Vantage Visa Credit Card Conditions of Use 1 Effective Date: 20 May 2016 Business Vantage Visa Conditions of Use Bank of Melbourne This document does not contain all the terms of this agreement
Terms & Conditions Visa Debit Card Effective Date 15 June 2015 Visa Debit Card Terms and Conditions Product Benefits, Features and Risks The Visa Debit Card is a non-cash payment facility that can be used
Amplify Business Conditions Credit Card of Conditions of Use Effective: 25 September November 2015 2014 This document does not contain all the terms of this agreement or all of the information we are required
Amplify Business Credit Card Conditions of Use. Effective: September 2015 This document does not contain all the terms of this agreement or all of the information we are required to give you before the
Commonwealth Bank Personal Liability Business Credit Card Conditions of Use Please note: You must use the Personal Liability Business Credit Card for business purposes only. You (the individual that applies
ATM/Debit Terms and conditions www.bankofireland.com Bank of Ireland is regulated by the Central Bank of Ireland. 37-1108R (11/11) Terms and Conditions ATM Card and Visa Debit Card 1.0 Definitions of Terms
ANZ Credit Card Conditions of Use Effective 9 December 2015 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your
Visa Student Card Terms and Conditions These are your Student Card Terms and Conditions. "Agreement" means these Visa Student Card Terms and Conditions. "We" "us" and "our" refer to Bank-Fund Staff Federal
Code of Banking Code of Practice Banking FIFTH Practice 2012 EDITION FIFTH E D I T I O N 2012 nzba.org.nz Contents 1 introduction 3 1.1 This Code 3 1.2 Governing Principles and Objectives of the Code 4
Macquarie Credit Cards Conditions Of Use EFFECTIVE NOVEMBER 2015 Important note: This booklet does not contain all the pre-contractual information we are required by law to give you before the agreement
360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions These are your Prepaid Card Terms and Conditions: "Agreement" means these Visa Prepaid Card Terms and Conditions. "We" "us" and "our"
TERMS AND CONDITIONS FOR THE ICICI BANK INDIAN RUPEE TRAVEL CARD The following terms and conditions ( Terms and Conditions ) apply to the ICICI Bank Travel Card facility provided by ICICI Bank. For your
COMMBANK CREDIT CARD CONDITIONS OF USE. How you can use your account. For all CommBank Personal Credit Cards and Business Credit Cards. 1 January 2015 CONTENTS Conditions of Use 1 Your contract with us
ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE By signing the Membership Application and/or Account Card or signing or using an Automated Teller Machine (ATM) Card, Visa Check Card (card), Mia24 Member
BNZ Platinum Visa credit card Terms and conditions. 1. Introduction and definitions 1.1 These Terms and Conditions are a contract between you and BNZ. They apply to the use of your Card, including where
Bankwest Account Access Conditions of Use 19 May 2015 making banking easier Product Disclosure Statement If you are opening a Bankwest-branded Investment and Transaction Account with us, or are applying
Visa Business Credit Card Guide Contents Getting Started 1 Sign Your Card Now 2 2 Your PIN 2 3 Your Credit Limit 2 4 Spend Limits and Cash Advance Limits 3 5 Fees 3 6 Additional Cards 3 Using your Card
Dear Cardholders, Welcome to our cardholding family! In keeping with our customer service strategies designed to provide you with greater convenience and ease of doing business, the Unit Trust Corporation
Business Debit Card Cardholder Terms HB00520_BusDebitCard_TC-12pp.indd 1 01/08/2012 15:07 2 Cardholder Terms These Business Debit Card Cardholder Terms (these Cardholder Terms ) apply to the use of the
American Express Business Credit Card Conditions Effective 1st June 2006 Postal Address American Express Australia Limited Cardmember Services GPO Box 1582 Sydney NSW 2001 Lost or Stolen Cards In Australia
Business Charge Card and Business Credit Card DECEMBER 2014 CONTENTS 1. Use of Your Business Credit Card or Business Charge Card 3 2. Making and Stopping Payments 4 3. Payments and Statements 4 4. Refunds
Important information about your credit card account (Account) This notice is provided with your March 2013 statement of Account and details important information on the following aspects of your Account:
Rothschild Visa Card Terms and Conditions These Rothschild Visa Card Terms and Conditions (June 2010 edition) are in addition to and supplemental to the Bank s standard Terms and Conditions (October 2007
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic
GENERAL TERMS AND CONDITIONS FOR DEBIT CARD 1. PHRASING Words importing only the singular shall include the plural and vice versa. Where the Account is a Joint Account, reference to single customer shall
Visa Debit card product Conditions of Use Valid from 1 July 2014. These Conditions of Use apply to the Visa Debit Card as issued by Police Financial Services Limited ABN 33 087 651 661 AFSL 240293 Australian
Business Debit MasterCard Terms and conditions. Effective as at 12 March 2014. ABN 99 003 719 319 1 Contents These Terms and Conditions 3 What you can do with your card 6 Issue of Business Debit MasterCards
JETSTAR TRAVEL CARD PRODUCT DISCLOSURE STATEMENT 6 MARCH 2014 CONTENTS Product Disclosure Statement 01 Information about the Card Account 02 Terms and Conditions 11 1. Definitions and interpretation 11
Important information about your credit card account (Account) This notice is provided with your March 2012 statement of Account and details important information on the following aspects of your Account:
ATM/DEBIT CARD APPLICATION Application and Member Information Account No. Member Name Street City/State/Zip Home Phone Work Phone Joint Owner Street City/State/Zip Joint Owner Information (If applicable)
Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough
What is the Debenhams Prepaid Card? Debenhams Prepaid Card works in a similar way to a pay as you go mobile phone. You top up what you need, when you need it. You top the card up with money which can be
MEMBER AGREEMENT Your acceptance and/or use of the VISA Debit Card or the ATM Card or allowing anyone to use the Card constitutes your agreement to all of the following terms and you will be responsible
COMMUNITY FIRST CREDIT UNION OF FLORIDA BUSINESS ONLINE BANKING AGREEMENT This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning
DEBIT CARD AGREEMENT AND DISCLOSURE This Debit Card Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the debit card services offered to you by Front
230 W Main St Ionia, MI 48846 800.300.3193 www.independentbank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to