PERSONAL SAVINGS AND TRANSACTION ACCOUNTS

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1 PERSONAL SAVINGS AND TRANSACTION ACCOUNTS SAVINGS AND TRANSACTION ACCOUNTS FOR EVERYDAY PEOPLE Product Information Brochure Effective from 1 November 2014

2 AT QUEENSLAND COUNTRY, WE WANT TO MAKE IT EASIER FOR YOU TO SAVE AND INVEST YOUR MONEY. Whether your goal is to simply have an account for everyday use or an account that is going to put your money to work for you, we would like to help you achieve your goals with our everyday transaction and savings accounts. 2

3 CONTENTS INTRODUCTION...4 TRANSACTION ACCOUNTS...6 SAVINGS ACCOUNTS...12 TARGET SAVER & BUDGETING ACCOUNTS...18 ACCOUNTS FOR OVER 65s...22 HOW TO APPLY FOR AN ACCOUNT...29 ACCESSING YOUR ACCOUNTS...30 COMPLAINTS HANDLING PROCEDURES...35 SAFE ONLINE BANKING...36 BRANCH DETAILS

4 We understand that one account won t solve all of your financial needs,. so we have several options for you to choose from depending on the. type of account you re looking for and the ways you want to access. your money. Our accounts cater for all ages and life stages and we have carefully designed our accounts so they can change as your needs change. This brochure contains information on Queensland Country Credit Union s Savings and Transaction Accounts. The information in this brochure can help you to: Decide if any of these products meet your needs; Compare these products with other similar products The information in this document does not take into account your objectives, financial situation or needs. Before acting on the information you should consider whether it is right for you and seek your own advice. 4

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6 6 TRANSACTION ACCOUNTS

7 TRANSACTION ACCOUNTS At Queensland Country we offer a range of transaction accounts which are designed to help manage your day-to-day finances and make your everyday banking much easier. We understand that everyone s needs are different so we have different account options available for you to choose from. You get to decide on which account will best suit you. Here is a quick summary of the general everyday transaction accounts we offer: ALL ACCESS ULTIMATE PACKAGE OPTIONS Available to Over 18s Ultimate Home Loan Package holders Over 18s Best used for Everyday use Everyday use Occasional use Requires a linked Queensland Country No Yes No product Features Monthly account service fee $6.00 Free Free Number of free transactions per month 20* Unlimited* 0 Access options Branch CueCard Visa Debit card Online banking Mobile banking Phone banking Direct debit BPAY Cheque book TM *Some transaction types are excluded from the free transaction limit for each applicable account type. Refer to our Fees and Charges brochure. 7

8 ALL ACCESS ACCOUNT The All Access account is a versatile, easily accessible account for people 18 years and over. Whether you prefer to conduct your banking. face-to-face or use electronic options such as ATMs, EFTPOS or online banking, this account does it all. WAYS TO ACCESS YOUR ACCOUNT ATMs Phone service CU Online and. Mobile Banking EFTPOS and. Visa paywave Branch deposits and withdrawals - Deposits and withdrawals can be made at any Queensland Country Credit Union branch Direct credit &. direct debit BPAY - Pay bills in minutes using online, mobile or phone banking - through participating Australia Post offices Cheque book FEATURES & BENEFITS 20 FREE TRANSACTIONS PER MONTH* WITH VISA PAYWAVE MONTHLY $6 SERVICE FEE WORLDWIDE THINGS YOU NEED TO KNOW ACCESS 8 ELIGIBILITY All applicants must be aged 18 years and over. JOINT ACCOUNTS Where a joint account is required, the oldest joint applicant will be assigned as the primary account holder and that person must meet the eligibility criteria in order to qualify for this account type. INTEREST Interest is calculated on the minimum monthly balance and paid annually. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. ACCESS YOUR MONEY AT OVER 3,000 ATMs Queensland Country, Westpac, St.George, BankSA and Bank of Melbourne OTHER FEATURES & BENEFITS No minimum opening balance Split your pay between your Queensland Country accounts Set as your default account * Some transactions are excluded from the free transaction limit. Refer to our Fees and Charges brochure.

9 ULTIMATE PACKAGE ACCOUNT The Ultimate Package account is the ultimate transaction account for our Ultimate Home Loan Package holders. Offering unlimited Queensland Country and partner ATM transactions, EFTPOS transactions, CU Online and phone banking transactions all with no monthly account. service fee. WAYS TO ACCESS YOUR ACCOUNT ATMs Phone service CU Online and. Mobile Banking EFTPOS and. Visa paywave Branch deposits and withdrawals - Deposits and withdrawals can be made at any Queensland Country Credit Union branch THINGS YOU NEED TO KNOW Direct credit &. direct debit BPAY - Pay bills in minutes using online, mobile or phone banking - through participating Australia Post offices Cheque book FEATURES & BENEFITS UNLIMITED FREE TRANSACTIONS* WITH VISA PAYWAVE MONTHLY NO SERVICE FEE WORLDWIDE ACCESS ELIGIBILITY Applicant must be a current Queensland Country Ultimate Home Loan Package holder. JOINT ACCOUNTS Where a joint account is required, at least one account holder must be a current Queensland Country Ultimate Home Loan Package holder. INTEREST Interest is calculated on the minimum monthly balance and paid annually. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. ACCESS YOUR MONEY AT OVER 3,000 ATMs Queensland Country, Westpac, St.George, BankSA and Bank of Melbourne OTHER FEATURES & BENEFITS No minimum opening balance Split your pay between your Queensland Country accounts Set as your default account * Some transactions are excluded from the free transaction limit. Refer to our Fees and Charges brochure. 9

10 OPTIONS ACCOUNT The Options account is ideal for those people who only need to transact occasionally. WAYS TO ACCESS YOUR ACCOUNT ATMs Phone service CU Online and. Mobile Banking EFTPOS Branch deposits. and withdrawals - Deposits and withdrawals can be made at any Queensland Country Credit Union branch Direct credit &. direct debit BPAY - Pay bills in minutes using online, mobile or phone banking - through participating Australia Post offices Cheque book FEATURES & BENEFITS PAY AS YOU USE TRANSACTIONS CUE CARD MONTHLY NO SERVICE FEE WORLDWIDE THINGS YOU NEED TO KNOW ACCESS 10 ELIGIBILITY All applicants must be aged 18 years and over. JOINT ACCOUNTS Where a joint account is required, the oldest joint applicant will be assigned as the primary account holder and that person must meet the eligibility criteria in order to qualify for this account type. INTEREST Interest is calculated on the minimum monthly balance and paid annually. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. ACCESS YOUR MONEY AT OVER 3,000 ATMs Queensland Country, Westpac, St.George, BankSA and Bank of Melbourne OTHER FEATURES & BENEFITS No minimum opening balance Split your pay between your Queensland Country accounts Set as your default account

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12 12 SAVINGS ACCOUNTS

13 SAVINGS ACCOUNTS Whether you re saving with a specific goal in mind, saving for that rainy day whilst on a budget or just plain old saving, we have a variety of accounts that will suit most situations. Although our savings accounts are all different, they all have one thing in common they are designed to help you save money! Here is a quick summary of the savings accounts that we offer: BONUS SAVER ONLINE SAVER CAS H. MANAGEMENT Available to Over 18s All ages Over 18s Features Monthly account service fee Number of free transactions per month** Access options Branch CueCard Visa Debit card Online banking Mobile banking Phone banking Direct debit & credit BPAY Cheque book Free Free $6.00* *Monthly account service fee waived if minimum monthly balance remains above $5,000. ** Some transaction types are excluded from the free transaction limit for each applicable account type. Refer to our Fees and Charges brochure. 13

14 BONUS SAVER ACCOUNT The Bonus Saver is an account that rewards the dedicated saver. The Bonus Saver offers a competitive bonus interest rate that is achieved by depositing at least $20 in a calendar month and making no withdrawals in the same month.. The bonus interest is paid in addition to the standard base interest and as there is no card access to the account, it makes it even easier. to grow your savings. WAYS TO ACCESS YOUR ACCOUNT CU Online and. Phone service Mobile Banking Branch deposits and withdrawals - Deposits and withdrawals can be made at any Queensland Country Credit Union branch Direct credit &. direct debit BPAY - Pay bills in minutes using online, mobile or phone banking FEATURES & BENEFITS 1 FREE TRANSACTION PER MONTH* MONTHLY NO SERVICE FEE THINGS YOU NEED TO KNOW NOCARD ACCESS To encourage savings ELIGIBILITY All applicants must be aged 18 years and over. JOINT ACCOUNTS Where a joint account is required, the oldest joint applicant will be assigned as the primary account holder and that person must meet the eligibility criteria in order to qualify for this account type. INTEREST Interest is calculated on the daily closing balance and paid monthly. Bonus interest is paid when at least $20 is deposited into the account 14 and no withdrawals are made in a calendar month. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. INTEREST RATE OTHER FEATURES & BENEFITS No minimum opening balance OTHER FEATURES & BENEFITS Worldwide 24/7 access Set No as minimum your default opening account balance Split your pay between your * Some Queensland transactions are Country excluded accounts from the Set free transaction as your primary limit. Refer account to our Fees and Charges brochure.

15 ONLINE SAVER ACCOUNT The Online Saver is an account designed for those who want to be paid a competitive interest rate for managing their own savings account. If you do not need card or branch access to your funds and can manage your own savings through online banking, mobile banking or phone banking, then this may be the account for you. The Online Saver has no monthly account service fee and returns one of our higher interest rates on your savings. WAYS TO ACCESS YOUR ACCOUNT CU Online and. Phone service Mobile Banking Branch deposits and withdrawals - Deposits and withdrawals can be made at any Queensland Country Credit Union branch Direct credit &. direct debit BPAY - Pay bills in minutes using online, mobile or phone banking FEATURES & BENEFITS NO PAY AS YOU USE TRANSACTIONS MONTHLY SERVICE FEE EARN INTEREST ON ALL YOUR SAVINGS NO CARD ACCESS To encourage savings OTHER FEATURES & BENEFITS No minimum opening balance Split your pay between your Queensland Country accounts Set as your default account Deposit directly into the account Worldwide 24/7 access THINGS YOU NEED TO KNOW ELIGIBILITY Any person aged between 5 to 12 years of age (requires a parent or guardian to open the account as an authorised signatory and the account must be opened in the child s name). Any person aged 13 years and over and registered for CU online access. Refer to CU Online, PhoneService and Mobile Banking Terms and Conditions of Use for further information. Trust accounts for children under the age of 18 (for children under the age of 5 the account must be opened by a parent or guardian in trust for the child). JOINT ACCOUNTS Where a joint account is required, at least one joint account holder must be aged 18 years or over. The oldest joint applicant will be assigned as the primary account holder and that person must meet the eligibility criteria in order to qualify for this account type. INTEREST Interest is calculated on the daily closing balance and paid monthly. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. 15

16 CASH MANAGEMENT ACCOUNT The Cash Management account is best suited. to those who want to earn interest on their savings, but still want immediate card access to their savings. This account can be a great place to. park your money when you re between purchases or investments. WAYS TO ACCESS YOUR ACCOUNT FEATURES & BENEFITS 5 FREE TRANSACTIONS PER MONTH* ATMs CU Online and. Mobile Banking EFTPOS and. Visa paywave Branch deposits and withdrawals - Deposits and withdrawals can be made at any Queensland Country Credit Union branch Phone service Direct credit &. direct debit BPAY - Pay bills in minutes using online, mobile or phone banking - through participating Australia Post offices Cheque book WITH VISA PAYWAVE $6 MONTHLY SERVICE FEE** WORLDWIDE THINGS YOU NEED TO KNOW ACCESS 16 ELIGIBILITY All applicants must be aged 18 years and over. JOINT ACCOUNTS Where a joint account is required, the oldest joint applicant will be assigned as the primary account holder and that person must meet the eligibility criteria in order to qualify for this account type. INTEREST Interest is calculated daily and paid monthly, based on the daily closing balance at the applicable tiered interest rate. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. ACCESS YOUR MONEY AT OVER 3,000 ATMs Queensland Country, Westpac, St.George, BankSA and Bank of Melbourne OTHER FEATURES & BENEFITS No minimum opening balance Split your pay between your Queensland Country accounts Set as your default account * Some transactions are excluded from the free transaction limit. Refer to our Fees and Charges brochure. ** Monthly account service fee waived if minimum monthly balance remains above $5,000.

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18 18 TARGET SAVER & BUDGETING ACCOUNTS

19 TARGET SAVER & BUDGETING ACCOUNTS The simplest budgeting and personal finance solutions are often the best! Queensland Country offers two great solutions that will make budgeting a breeze and help you achieve your savings goal sooner. Here is a quick summary of the accounts we offer: CHRISTMAS CLUB BILLPAYING* Available to All ages Ages 18 and over Best used for Target savings Budgeting Features Monthly account service fee Free $5.00 Number of free transactions per month* 0 Unlimited** Access options Branch CueCard Visa Debit card Online banking Mobile banking Phone banking Direct debit BPAY Cheque book * Terms and conditions apply. Refer to Choose Our BillPaying Account Personal Information Brochure. ** Some transaction types are excluded from the free transaction limit for each applicable account type. Refer to our Fees and Charges brochure. 19

20 CHRISTMAS CLUB ACCOUNT This account has been specifically designed to assist people to save for one of the most important times in the year Christmas. The Christmas Club account is designed to help keep your savings on track throughout the year with an automatic transfer of your savings to a nominated Queensland Country account just in time for the festive season. WAYS TO ACCESS YOUR ACCOUNT CU Online and. Mobile Banking Direct credit OTHER FEATURES & BENEFITS Branch deposits and withdrawals - Deposits and withdrawals can be made at any Queensland Country Credit Union branch No minimum opening balance Split your pay between your Queensland Country accounts FEATURES & BENEFITS 1 AUTO free TRANSFER PER YEAR IN NOV OR DEC* MONTHLY NO SERVICE FEE UNLIMITED FREE DEPOSITS NOCARD ACCESS To encourage savings + ability to set up a savings plan * Automatic transfer will be completed on the first business day of the Member s nominated month. A fee will apply for transfers processed at any other time. THINGS YOU NEED TO KNOW ELIGIBILITY Any person aged 5 to 12 years of age (requires a parent or guardian to open the account as authorised signatory to the account and account must be opened in child s name). Any person aged 13 years and over and registered for CU online access. Refer to CU Online, PhoneService and Mobile Banking Terms and Conditions of Use for further information. Trust accounts for children under the age of 18 (for children under the age 5 the account must be opened by a parent or guardian in trust for the child). JOINT ACCOUNTS Where a joint account is required, at least one joint account holder must be aged 18 years or over. The oldest joint applicant will be assigned as the primary account holder and that person must meet the eligibility criteria in order to qualify for this account type. 20 INTEREST Interest is calculated on the daily closing balance and paid monthly. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. OTHER FEATURES & BENEFITS No minimum opening balance Split your pay between your Queensland Country accounts Set as your primary account

21 BILLPAYING ACCOUNT Our unique BillPaying product is one of our. most popular accounts. It is designed to help manage the payment of your bills and relieves the stress of worrying about paying them on time We sit down with you and sort out which bills you d like us to pay. We help you work out a budget so you regularly deposit money into a special account to cover the bills. Send or drop off your bills to us when you receive them and we ll pay them. IT S THAT SIMPLE! THINGS YOU NEED TO KNOW ELIGIBILITY All applicants must be aged 18 years and over. JOINT ACCOUNTS Where a joint account is required, all applicants must meet the eligibility criteria in order to qualify for this account type. INTEREST Interest is calculated on the minimum monthly balance and paid annually. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. FEATURES & BENEFITS MONTHLY $5 SERVICE FEE NO CHEQUE FEES BPAY or direct debit charges MONTH CONTRACT To help you stick to your budget LET US P A Y Y O U R BILLS TO FIND OUT MORE ABOUT OUR BILLPAYING ACCOUNT PLEASE REFER TO OUR CHOOSE OUR BILLPAYING ACCOUNT PRODUCT INFORMATION NO CARD ACCESS To encourage BROCHURE. savings 21

22 22 OVER 65s ACCOUNTS

23 ACCOUNTS FOR OVER 65s Queensland Country is committed to providing our senior Members with tailored account options that enable them to carry our their financial transactions with confidence and ease. Here is a quick summary of our accounts which are available to Members aged 65 years and over: PENSION PLUS OPTIONS PLUS Only available to Over 65s Over 65s Best used for Saving and spending Occasional use Features Monthly account service fee Free Free Number of free transactions per 4 5 month* Minimum opening deposit required No No Access options Branch CueCard Visa Debit card Online banking Mobile banking Phone banking Direct debit & credit BPAY Cheque book * Some transaction types are excluded from the free transaction limit for each applicable account type. Refer to our Fees and Charges brochure. 23

24 PENSION PLUS. ACCOUNT The Pension Plus account has been designed for pensioners and self funded retirees who: Want to earn interest on their savings balance with no monthly account service fees Like to conduct their banking face-to-face Want access to their savings through electronic banking channels such as ATMs, EFTPOS and Online Banking. WAYS TO ACCESS YOUR ACCOUNT ATMs CU Online and. Mobile Banking EFTPOS and Visa paywave Branch deposits and withdrawals - Deposits and withdrawals can be made at any Queensland Country Credit Union branch THINGS YOU NEED TO KNOW ELIGIBILITY Queensland Country Personal Members who: Are receiving an Aged Pension from Centrelink or Department of Veterans Affairs; or Are self funded retirees aged 65 years or over. JOINT ACCOUNTS Where a joint account is required, the oldest joint applicant will be assigned as the primary account holder and that person must meet the eligibility criteria in order to qualify for this account type. INTEREST Interest is based on the Pension 24 Deeming rate and is calculated Phone service Direct credit &. direct debit BPAY - Pay bills in minutes using online, mobile or phone banking - through participating Australia Post offices Cheque book on the daily closing balance and paid monthly. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. FEATURES & BENEFITS 4 FREE NO TRANSACTIONS PER MONTH* ACCESS YOUR MONEY AT OVER 3,000 ATMs Queensland Country, Westpac, St.George, BankSA and Bank of Melbourne MONTHLY SERVICE FEE UNLIMITED free CASH. OUTS with EFTPOS purchases QUEENSLAND COUNTRY BRANCH WITH VISA PAYWAVE OTHER FEATURES & BENEFITS No minimum opening balance Split your pay between your Queensland Country accounts Set as your default account Interest rates set in line with Pension Deeming rates * Some transactions are excluded from the free transaction limit. Refer to our Fees and Charges brochure.

25 OPTIONS PLUS. ACCOUNT The Options Plus account is a special purpose account that can be used by Members who are aged 65 years or over and looking for a flexible account that has no monthly account service fees. WAYS TO ACCESS YOUR ACCOUNT FEATURES & BENEFITS 5 FREE TRANSACTIONS PER MONTH* ATMs CU Online and. Mobile Banking EFTPOS and Visa paywave Branch deposits and withdrawals - Deposits and withdrawals can be made at any Queensland Country Credit Union branch Phone service Direct credit &. direct debit BPAY - Pay bills in minutes using online, mobile or phone banking - through participating Australia Post offices Cheque book WITH VISA PAYWAVE NO MONTHLY SERVICE FEE WORLDWIDE THINGS YOU NEED TO KNOW ACCESS ELIGIBILITY Queensland Country Personal Members who: Are receiving and Aged Pension from Centrelink or Department of Veterans Affairs; or Are self funded retirees aged 65 years or over. JOINT ACCOUNTS Where a joint account is required, the oldest joint applicant will be assigned as the primary account holder and that person must meet the eligibility criteria in order to qualify for this account type. INTEREST Interest is calculated on the minimum monthly balance and paid annually. HOW AND WHEN DO I RECEIVE STATEMENTS? You can elect to receive statements electronically via e-statement. Statements are stored securely and conveniently in your online banking (CU Online) and can be accessed at anytime. Statements are issued every three months in July, October, January and April. If you choose to receive paper statements, they will be mailed to your postal address so it is important to advise Queensland Country of any changes to your or postal addresses. ACCESS YOUR MONEY AT OVER 3,000 ATMs Queensland Country, Westpac, St.George, BankSA and Bank of Melbourne OTHER FEATURES & BENEFITS No minimum opening balance Split your pay between your Queensland Country accounts Set as your default account * Some transactions are excluded from the free transaction limit. Refer to our Fees and Charges brochure 25

26 ACCOUNTS NO LONGER AVAILABLE Available to Features Monthly account service fee Number of free transactions per month Minimum opening deposit required Access options Branch CueCard Visa Debit card Online banking Mobile banking Phone banking Direct debit & credit BPAY Cheque book REWARDS Not available to new account holders from 01/04/09 Free 10* (Max of two free Partner ATM) No SMART SAVER Not available to new account holders from 01/04/09 Free 0 No * Some transactions are excluded from the fee transaction limit. Refer to our Fees and Charges brochure. 26

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29 HOW TO APPLY. FOR AN ACCOUNT In order to apply for a personal savings or transaction account with Queensland Country you must first become a Member. Any person can apply to join Queensland Country as long as they are eligible for membership. Queensland Country Credit Union Limited Memberships are created under a common bond where any person residing in the Commonwealth of Australia can have a membership with Queensland Country. UNDER 18 YEARS Persons under the age of five years are not permitted to hold a Membership with Queensland Country however, a Membership for the benefit of a child under the age of 5 years may be opened by a parent or guardian in trust for the child. Members will not become full shareholders of Queensland Country until they reach the age of 18. One unpaid $10.00 membership share is allotted and members under the age of 18 have no voting rights. Upon turning 18, Queensland Country will debit the Member s deposit account for the unpaid amount of $10.00 for the Membership Share at which time the Membership will then will have full voting and borrowing rights. OVER 18 YEARS All Members 18 years and over are required to become shareholders via a $10.00 share purchase during the membership application process. A Full Shareholding Membership, which includes voting and borrowing rights, is available to all eligible Members aged 18 years and over. Shareholding Members purchase one $10.00 share at the time of joining Queensland Country. Upon ceasing to be a Member of Queensland Country Credit Union, the $10.00 share is refunded. A Personal Membership Application form is available at any Queensland Country Credit Union branch see branch locations in the back of this brochure or visit our website to find the location of your nearest branch. 29

30 ACCESSING YOUR ACCOUNTS Queensland Country offers a range of ways for you to access your money in order to make purchases, transfer to other accounts, pay bills or withdraw cash. Not all access methods are available on every account. Please refer to the specific account type you are considering to find out what type of access is available. CARD ACCESS ATM NETWORK We have a number of Queensland Country ATMs conveniently spread across Queensland. Our Members also have access to our partnered Westpac Group ATMs right across Australia. This includes Westpac ATMs, St. George ATMs, Bank of Melbourne ATMs and BankSA ATMs. You can access your money at over 3,000 locations throughout Australia and in more than 200 countries worldwide. Fees and charges may apply so please refer to the Fees and Charges brochure for further information. VISA DEBIT CARD Our Queensland Country Visa Debit card makes accessing your accounts a breeze. Visa Debit cards allow account holders to enjoy all of the advantages of using a credit card but with the added benefit of using your own money. You have the choice to pay now instead of having to pay later by using a credit card. With your Queensland Country Visa Debit card you can: Purchase in store, online, mail order and over the phone Wave and go using Visa paywave Use at any ATM or EFTPOS facility anywhere throughout the world where Visa is accepted Access your money at over 3,000 ATMs Australia wide using Queensland Country, Westpac, St. George, BankSA and Bank of Melbourne ATMs Use at any of the 3,200 participating Australia Post outlets Main features and benefits of having a Visa Debit card: Unlimited free transactions when using the credit function with purchases The ability to use the latest in contactless payment technology - paywave Increased fraud protection through Visa s Zero Liability Policy and Verified by Visa The card is embedded with an EMV chip which helps to protect your personal information Direct access to the very best entertainment experiences through Visa Entertainment PAYWAVE Looking to cut your payment time at the shop counter? Visa paywave is the latest in contactless payment technology. Just wave and go! Simply wave your Visa paywave enabled card past a Visa paywave reader and the transaction is complete in a couple of seconds! It saves time It s more convenient Your card does not leave your hand No PIN is required for purchases under $100 (some merchants may choose a lower limit) Payments are still secure and are covered by Visa s Zero Liability Policy Your paywave card is able to be used at any participating merchant. You don t need to enter a PIN for purchases under $100. If your purchase is over $100, you can still use the card; it will simply be with a PIN. Visa paywave cards are safe and secure as they carry multiple layers of authentication technology similar to that of regular chip cards. paywave it s the quicker more convenient way to pay. Visa Zero Liability Policy By pressing credit when you use your Visa Debit card, you gain access to all Visa s security benefits such as Visa s Zero Liability Policy which protects against unauthorised transactions. Visa s Zero Liability Policy is a guarantee from Visa that Visa cardholders will not be liable for an unauthorised transaction made as a result of card fraud or stolen cards where the cardholder has not contributed to any compromise. 30

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