Welcome to the convenience of a Bank of Melbourne. Visa Debit Card.

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1 Welcome to the convenience of a Bank of Melbourne Visa Debit Card.

2 Everyday Purchases Type of transaction ATM cash withdrawal In-store purchase In-store cash-out Bill payment How to access funds in Australia Select Cheque, Savings or Credit and enter your PIN Select Cheque, Savings or Credit and enter your PIN or sign Select Savings or Cheque and enter your PIN Provide 16 digit card number and 3 digit CVV number if required Note: Some merchants may charge a surcharge for using Credit button. CHQ SAV CR Your Bank of Melbourne Visa Debit Card can be linked to your selected personal bank accounts giving you access to your own money as your card spend is debited from this account. If you have two personal bank accounts linked to your Bank of Melbourne Visa Debit Card, you need to access your own money as follows; Primary Account Select Credit or Cheque Secondary Account Select Savings

3 Online and Phone purchases To purchase online, over the phone and by mail order, you will need your 16 digit card number and often your name, expiry date and the CVV 3 digit number located on the back of the card. Heading Overseas? Your Visa Debit card provides a convenient and safe way to access local currency overseas, anywhere Visa is accepted. Type of transaction ATM cash withdrawal In-store purchase In-store cash-out How to access your funds overseas Select Credit and enter your PIN Enter your PIN or sign Not available IMPORTANT: When overseas you can only select Credit and can only access your primary linked account. You may also need your PIN to approve some transactions. Make sure you have all the funds you need in your account and you know your PIN before you travel. Reward yourself Experience another side to your Visa card with Visa Entertainment. Access concert and theatre ticket presales, film promotions and exclusive member offers. Register for free at visaentertainment.com.au Security Falcon Fraud Protection Enjoy safer shopping with Falcon Fraud Protection that monitors and notifies you of any unusual purchase transactions. Visa s Zero Liability When you use your Visa Debit card online, over the phone, overseas or when you press Credit in store, you re protected under the Visa s Zero Liability^ for unauthorised transactions.

4 Additional information Account Statements Online or Mail Your account and card information are available online via Bank of Melbourne Internet Banking. Account statements can be either posted to your mailing address or you can request estatements online via Internet Banking for eligible account types. Changing your PIN Every Bank of Melbourne Visa Debit Card is issued with a card PIN. If you d like to change your PIN on your card, just visit a local branch with your card and identification and we ll help change it on the spot. Card authorisations pending payments effect your available account balance. Some merchants usually car rentals or hotels will first check if there are sufficient funds in your account to finalise payment. They send us an authorisation for this amount and on approval, some of your account balance is placed on hold against the final payment amount. This means the available balance and current balance shown on your account may be different until the transaction is finalised. Card authorisations may hold funds in the account for up to 7 days. All current card authorisations can be viewed online via Internet Banking if you have registered for Internet Banking. Account current balance and available balance The available balance shows funds that are ready to use straight away. The current balance is the amount that may include card authorisations waiting to be processed or cheques to be cleared.

5 Daily purchase and ATM withdrawal limits Type of transaction Maximum Limit per day Daily Visa Debit Purchase $8,000 Daily ATM Withdrawal $1,000 Replacing a Visa Debit card Lost or Stolen Contact us immediately if your card is lost or stolen, you think the PIN has been compromised or your card has been used fraudulently. The card will then be cancelled and a new card number and PIN will be issued. A replacement card fee may apply. Damaged For damaged cards, we will issue the same card number and PIN. All replacement cards are mailed to the residential address unless urgent delivery is requested to another location. Replacing cards Cancel a card Order a replacement card Lost, stolen, damaged or compromised cards Contact us 24 hours a day, seven days a week in Australia if overseas

6 About your Bank of Melbourne Visa Debit Card. Visa paywave When you use Visa paywave, it s fast! Just wave and go. There s no need for PIN or signature for purchases under $100 Your Card Number Use your card number when making purchases online, by phone or mail Worldwide Acceptance Your card is accepted by more than 30 million retailers and at 1.9 million ATMs worldwide, wherever the Visa logo is displayed Chip An embedded chip gives you the latest in card security Your CVV Number? A 3 digit number on the reverse of the card, which may be required for online or phone purchase Signature For security purposes and to validate purchases, you must sign your card here as soon as you receive it Contact Us You can contact us 24/7 if you need assistance or to report your card lost or stolen

7 Convenient and safe access to your money at home and overseas. Visa Debit provides instant access to your money in Australia and around the world anywhere Visa is accepted. You can use your Bank of Melbourne Visa Debit Card to access your cash, to pay bills or go shopping in-stores, online or over the phone. This guide explains how to use your card. Please take a moment to read it so you can make the most of your Bank of Melbourne Visa Debit Card Everyday Purchases Your Visa Debit card gives you access to your own money so you can use it instead of carrying cash for all your daily purchases from groceries to petrol, clothing to taxis, restaurants to tickets. Online and phone purchases made easy Like any Visa card you can use your Visa Debit card for online, phone and mail order purchases. So you access your own funds to pay online or over the phone rather than with credit. Overseas travel Use your Visa Debit card for purchases in store and to withdraw local currency at ATM s displaying the Visa logo. No need to carry lots of cash or travellers cheques because with your Visa Debit card, you have access to your money worldwide. Fees may apply. Rewards As a Visa cardholder you can access entertainment offers at visaentertainment.com.au Security Enjoy safer shopping with Falcon Fraud Protection and Visa s Zero Liability.^

8 Better everyday banking is around the corner. To talk about the right everyday banking and savings accounts for you, drop into your local branch or call ^Provided you have complied with the terms of the policy. Customers must be 14 or older and have an Australian residential address to be eligible for a Visa Debit card. The card must be linked to eligible Bank of Melbourne accounts. For full terms and conditions, visit. Fees and charges may apply. Bank of Melbourne A Division of Westpac Banking Corporation ABN AFSL and Australian credit licence BOM07963 (03/14)