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Things you need to know

Banking products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 ("Suncorp Bank"). Please read the relevant Product Information Documents before you make any decision regarding our products. Contact us for a copy. Terms, conditions, fees and charges apply. 1. There are two different types of Cash Passport: a) point of sale and ATM enabled Debit Card; and b) ATM only. Access Prepaid Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Cash Passport in conjunction with the issuer, Heritage Building Society Limited (ABN 32 087 652 024, AFSL 240 984). You should consider the Product Disclosure Statement for the relevant Cash Passport available at www.cashpassport.com.au before deciding to acquire the product. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. 2. A fee will be charged for these services. Customers are liable for Visa transactions which may cause their account to overdraw and interest may be charged to the account. 3. Suncorp Bank buys and sells foreign currency cash as agent for Travelex Limited ABN 36 004 179 953. Fees and charges apply. 4. To approved customers only. 5. Citigroup Pty Limited ABN 88 004 325 080 ("Citigroup") is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp Bank promotes and distributes Suncorp Clear Options Credit Cards on Citigroup's behalf under an agreement with Citigroup. Suncorp Bank will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank Internet Banking and Phone Banking). 6. The maximum 55 days interest free period applies when you pay your balance off in full for 2 consecutive months. If you carry a balance on your credit card from month to month the 55 days interest free period does not apply and you are charged interest once you make a purchase. There is no interest free period for Cash Advances or Balance Transfers. 7. All Rewards are subject to the terms and conditions of the Suncorp Bank Rewards and the Suncorp Bank Qantas Frequent Flyer rewards programs. Cash advances do not earn Reward points. Suncorp Bank Rewards points never expire while the card remains open. Rewards are not available on Suncorp Clear Options Standard Credit Cards. For full terms and conditions of the Rewards Programs, please refer to the relevant (Business or Personal) Suncorp Clear Options Rewards terms and conditions.