2. Eligibility In order to use ANZ gomoney you will need:

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1 ANZ gomoney Terms and Conditions and Licence Agreement for Android Devices Version: 3.0.X 1. Introduction ANZ gomoney is an application suitable for use on an Android powered device that allows users to check their account information, process certain transactions and find ANZ contacts. For further information see Functionality, below. Downloading the ANZ gomoney application from Google Play is your acceptance of these ANZ gomoney Terms and Conditions and Licence Agreement for Android Devices (Terms of Use). It is therefore important that you read and understand these Terms of Use. These Terms of Use, together with (where you are the relevant account holder) the terms and conditions of each relevant account (including the Electronic Banking Conditions of Use forming part of those terms and conditions), form a legal contract between you and us, Australia and New Zealand Banking Group Limited (ANZ), in relation to your use of ANZ gomoney. Where inconsistent, these Terms of Use will override the Electronic Banking Conditions of Use. Capitalised terms that are undefined in these Terms of Use take their meaning from the Electronic Banking Conditions of Use. References to Mobile Banking in the Electronic Banking Conditions of Use include ANZ gomoney. References to a Personal Identification Number or PIN in the Electronic Banking Conditions of Use include the four digit security PIN that you set up when you first register to use ANZ gomoney (your ANZ gomoney PIN). By clicking Install you agree to receive these Terms of Use and any amendments to them electronically via Google Play or your Android Device (as appropriate) and understand that ANZ will not send you a paper copy. 2. Eligibility In order to use ANZ gomoney you will need: an Android Device running v2.3 (Gingerbread) or later of the Android operating system, that is enabled for cellular or wireless Internet connection (Android Device); to have registered your mobile phone number for your Android Device with ANZ; and a valid Customer Registration Number and password or telecode. ANZ Internet Banking for Business users cannot register to use ANZ gomoney. You agree that, by registering for ANZ gomoney, ANZ may send SMS to your nominated mobile phone number. ANZ is not liable for any loss or damage you suffer as a result of any person other than you accessing those SMS. Similarly, if you are the account holder, and an additional cardholder registers for ANZ gomoney, ANZ will not be liable for any loss or damage you suffer as a result of any person other than that additional cardholder accessing any SMS sent by ANZ to the additional cardholder's nominated mobile phone number. 3. Fees and charges

2 ANZ will not charge you or the account holder any additional fees due solely to downloading, installing and registering for ANZ gomoney. Any fees and charges that apply to any ANZ account used via ANZ gomoney will continue to apply to transactions using ANZ gomoney. You may incur charges from your network service provider for downloading, updating and using ANZ gomoney. Any such charges are your sole responsibility and any matters regarding these charges should be raised with your network service provider. 4. Functionality ANZ gomoney allows users to check their account balance, view their transaction history, transfer money between their accounts, personalise their ANZ gomoney accounts, pay bills using BPAY, send payments to another bank account number (Pay Anyone), send payments to another bank account number by providing ANZ with the recipient s mobile phone number (Pay to Mobile) and find ANZ services like Branches and ATMs throughout Australia (Find ANZ). However please note that there are some types of account that are not available in gomoney, and not all functionality is available on all accounts. International services are not available using ANZ gomoney. In order to operate, ANZ gomoney may access software and hardware features of your Android Device. Subject to clause 16, ANZ may alter the functionality available in ANZ gomoney at any time. Joint account holders or additional cardholders using ANZ gomoney Joint account holders or additional cardholders are not permitted to share an ANZ gomoney PIN. If joint account holders or additional cardholders wish to use ANZ gomoney, each must register separately for ANZ gomoney. 5. Balances Current balance, available funds and transaction records may not show transactions that have not been processed or cleared by ANZ, other ANZ Group companies, other financial institutions, billers, merchants or other parties Credit cards and commercial card transactions will only appear when the merchant processes the transaction. BPAY bill payments requested before 6.00pm (AEST/AEDT) on a Banking Business Day will be processed to your account on the same day. BPAY bill payments requested after this time may be processed on the next Banking Business Day. For commercial cards, the Current Balance may not reflect the available credit on your card. The amount noted in Available Funds may include cheques waiting clearance. If ANZ allows you to overdraw your account or to draw on uncleared funds then a fee may be charged in accordance with the Terms and Conditions of your account.

3 6. Pay anyone It is your responsibility to ensure that the details provided by you are correct or your payment may be unsuccessful or may be paid to an unintended account. ANZ does not check that the details provided by you are correct. A daily transaction limit applies to Pay Anyone transactions in ANZ gomoney. You can find information regarding this daily transaction limit at anz.com/gomoney. Pay Anyone payments requested before 6.00pm (AEST/AEDT) on a Pay Anyone Processing Day (Monday to Friday, except any day that is a public holiday in both Sydney and Melbourne) will be processed to your account on the same day. Payments requested after this time may be processed on the following Pay Anyone Processing Day. When the payee s account will be credited will depend on the policy and systems of the payee s bank. You cannot delete or cancel a Pay Anyone payment. 7. BPAY ANZ gomoney allows you to pay bills using BPAY. When using BPAY, you must ensure that the Biller Code and Reference are correct or your payment may be unsuccessful or may be paid to an unintended account. You cannot: delete or cancel a bill payment once you have submitted the request to us; or make future dated bill payments or recurring bill payments. BPAY View is not available using ANZ gomoney. Separate per transaction and daily transaction limits apply to bill payments using BPAY on ANZ gomoney. You can find information regarding these limits at anz.com/gomoney. Bill payments requested before 6.00pm (AEST/AEDT) on a Banking Business Day will be processed to your account on the same day. Any bill payment requested after 6.00pm (AEST/AEDT) on a Banking Business Day may be processed on the next Banking Business Day. However, when the biller's account will be credited for this payment will depend on the policy and systems of the biller's bank. After you have completed your bill payment request, you will receive a receipt confirming your bill has been lodged for processing with us. The receipt will contain a receipt number. 8. Pay to mobile Pay to Mobile allows you to send a payment to a receiver with an Australian bank account (Pay to Mobile Recipient) by providing the Pay to Mobile Recipient s mobile phone number. A daily transaction limit applies to Pay to Mobile transactions in ANZ gomoney. You can find information regarding this daily transaction limit at anz.com/gomoney. Pay to Mobile will attempt to utilise your Android Device s address book. By downloading and installing ANZ gomoney you consent to such access. Collection Registered recipients who have nominated an eligible account

4 For Pay to Mobile Recipients that are registered users of ANZ gomoney and have nominated an eligible ANZ bank account, Pay to Mobile payments will be processed directly to the nominated account without further information or action being required from you or the Pay to Mobile Recipient. You cannot delete or cancel a Pay to Mobile payment to a registered user of ANZ gomoney who has nominated an eligible ANZ bank account. Collection Others For Pay to Mobile Recipients that are not registered users of gomoney, or registered users who have not nominated an eligible ANZ bank account, ANZ will send an SMS to the Pay to Mobile Recipient notifying them that a Pay to Mobile payment is available for them to claim. ANZ will use all reasonable endeavours to send this SMS as soon as possible after you have set up the Pay to Mobile payment. However, ANZ is not liable for any delay in sending this SMS. For the Pay to Mobile Recipient to claim the Pay to Mobile payment you must advise them of the Collection Code notified to you by ANZ when you request the payment (the Collection Code) as well as the exact amount of the payment. You must provide the Collection Code to the Pay to Mobile Recipient only. You must not: disclose the Collection Code to any person other than the Pay to Mobile Recipient; allow any person other than the Pay to Mobile Recipient to see, or overhear you providing, the Collection Code; or record the Collection Code anywhere that is liable to loss, theft or abuse. If the Collection Code is provided to any person other than the Pay to Mobile Recipient, that person may be able to claim the Pay to Mobile payment. The Pay to Mobile Recipient must claim the payment from by entering: their mobile phone number; the exact amount of the Pay to Mobile payment they are claiming; the Collection Code; and the details of the account they wish the Pay to Mobile payment to be paid to. If any of these details are entered incorrectly the claim of the Pay to Mobile payment may be unsuccessful. All details entered by the Pay to Mobile Recipient on must be correct. In processing payments, ANZ does not check that the account number entered matches the account name or BSB details provided. To the extent permitted by law, ANZ is not liable for loss arising from any error in instructions given by the Pay to Mobile Recipient. The Pay to Mobile Recipient must successfully claim the Pay to Mobile payment by 11.59pm (AEST/AEDT) on the seventh day following the day on which the Pay to Mobile payment was initiated. If the Pay to Mobile Recipient does not successfully claim the Pay to Mobile payment within this time the funds will be returned to your account by the eighth day following the day on which the Pay to Mobile payment was initiated, and the Pay to Mobile Recipient will not be able to claim the payment. Processing

5 Pay to Mobile payments will be processed to your account on the same day that you request the Pay to Mobile payment. When the Pay to Mobile Recipient s account will be credited will depend on the policy and systems of the Pay to Mobile Recipient s bank. Once the Pay to Mobile payment has been processed to your account, your account will be debited for the amount of the payment. ANZ does not pay interest on amounts credited to your account if the Pay to Mobile Recipient does not claim the Pay to Mobile payment or the funds are credited back to your account for any other reason. General You agree to advise the Pay to Mobile Recipient that you have provided ANZ with their mobile phone number for the purpose of notifying them of the Pay to Mobile payment. It is your responsibility to ensure that the details provided by you are correct or your payment may be unsuccessful or may be paid to an unintended account. ANZ does not check that the details provided by you are correct. If the Pay to Mobile Recipient wishes to dispute the amount or payment of the Pay to Mobile payment they must contact you directly. ANZ is not liable for any loss to you or the Pay to Mobile Recipient as a result of: you disclosing the amount of the Pay to Mobile payment and the Collection Code to any person other than the Pay to Mobile Recipient; or you failing to provide the amount of the Pay to Mobile payment and the Collection Code to the Pay to Mobile Recipient. ANZ is not liable for any loss or damage suffered by any person resulting from: any failure or delay by you to provide the Pay to Mobile Recipient with the correct information to request the payment of the Pay to Mobile payment (including the Collection Code); if any person other than the Pay to Mobile Recipient becomes aware of the amount of the Pay to Mobile payment or the Collection Code other than as a result of the fraudulent or negligent conduct of ANZ s employees or agents; if the amount of the Pay to Mobile payment, the Collection Code or account details entered by the Pay to Mobile Recipient when claiming the Pay to Mobile payment are incorrect; if sufficient cleared funds are not available in your account for the payment to proceed; or if ANZ delays, blocks or refuses to process a payment due to any reason beyond ANZ s control. 9. Your obligations You agree you will: not disclose your ANZ gomoney PIN to any other person, including any joint account holder, additional cardholder, family member or friend; not record your ANZ gomoney PIN in writing or on anything carried with the Android Device or liable to loss or theft at the same time as the Android Device unless you make a reasonable attempt to protect the security of the ANZ gomoney PIN;

6 not allow any other person to see you entering your ANZ gomoney PIN; not act with extreme carelessness in failing to protect your ANZ gomoney PIN; not allow another person to use ANZ gomoney on your Android Device; not leave your Android Device unattended and left logged into ANZ gomoney; lock your Android Device when not in use and take all other reasonable steps necessary to stop unauthorised use of ANZ gomoney on your Android Device; notify ANZ immediately if your Android Device is lost or stolen; notify ANZ immediately if your Android Device service is suddenly disconnected without your permission (which may indicate you have been subject to mobile phone porting); not use ANZ gomoney for any purpose other than those purposes for which ANZ has provided ANZ gomoney; be solely responsible for your Android Device s anti-virus and security arrangements to prevent unauthorised access to ANZ gomoney; not act fraudulently or maliciously in relation to the ANZ gomoney application or software. As examples, you will not copy, modify, adversely effect, reverse engineer, hack into or insert malicious code into the ANZ gomoney application or software; download a new version of ANZ gomoney from Google Play when notified to do so (and then cease to use the old version of ANZ gomoney). Warning: You must not use your birth date or an alphabetical code which is a recognisable part of your name as your ANZ gomoney PIN, or select sequential numbers, for example, 1234 or where all numbers are the same, for example, If you do, you may be liable for any loss suffered from an unauthorised transaction. To the extent permitted by the epayments Code, you (or, if applicable, the relevant account holder) will be liable for any loss arising from an unauthorised transaction occurring as a result of a breach of any of these obligations, notwithstanding anything to the contrary in the Electronic Banking Conditions of Use. If you use photos to personalise your accounts, you warrant that: the photos used by you do not contain content which is offensive or illegal, or would be considered unacceptable for viewing by a person under 18 years of age; and you took the photo (or otherwise hold the necessary licence rights to use the photo). For your own security ANZ recommends that you do not override the software lockdown on your Android Device (commonly referred to as obtaining root access ). If you do, you may be liable for any unauthorised transactions that occur on your Android Device. 10. Multiple device registration After you have first registered your Android Device for ANZ gomoney, you are permitted to register additional devices for use with ANZ gomoney. In order to register an additional device for ANZ gomoney and in order to use ANZ gomoney on that additional device once it is registered, you will be required to enter your existing ANZ gomoney PIN. You agree you will:

7 not disclose your ANZ gomoney PIN to any other person, including any joint account holder; and not allow any other person to use your ANZ gomoney PIN for the purpose of registering another device for ANZ gomoney. For security reasons ANZ will impose a limit on the number of devices that can be registered for ANZ gomoney by one user at any one time. If you attempt to register a device that exceeds the limit, you will be notified at that time that your registration has been unsuccessful. 11. Liability ANZ will not be responsible for any inability of your Android Device to access or use ANZ gomoney, or for any loss or damage to your Android Device resulting from your access or use, or attempted access or use, of ANZ gomoney (including downloading and installing any associated ANZ applications), and you should satisfy yourself as to these matters before attempting to access or use ANZ gomoney. ANZ will not be liable for any loss arising from your use of ANZ gomoney, including loss arising from any security breach, if you have acted fraudulently (either alone or together with any other person), or if you have caused or contributed to that loss, for example, by obtaining root access to your Android Device or failing to comply with any of these Terms of Use or the Electronic Banking Conditions of Use. ANZ will not be liable for any loss arising from your use of, or reliance on, Find ANZ, or any interruption, suspension or termination of any features or functionality of Find ANZ (including any interruptions due to system failures, network attacks or scheduled or unscheduled maintenance). The Electronic Banking Conditions of Use further set out your (or, if applicable, the relevant account holder s) liability when using ANZ gomoney. You acknowledge that any unauthorised reproduction by you of any proprietary information provided or available via ANZ gomoney or any portion of it may result in legal action being taken. When you initiate a call through ANZ gomoney on your Android Device, you will exit the application and the call will be made using your chosen Android Device s dialler. ANZ will not be liable in any way if your dialler redirects you to a fraudulent or incorrect number and will not be liable for any network service provider fees incurred for the call. 12. Helpdesk For assistance in your use of ANZ gomoney please call ANZ Mobile Phone Banking on This service will be available 24 hours, 365 days a year. This service is provided on the condition that neither ANZ nor its employees will be liable for any direct or indirect loss suffered by you, resulting from your use of the service. This service will not be responsible for providing advice specific to your Android Device, including data connections or cellular charges to your Android Device accounts. 13. Suspension or termination of use and service quality ANZ may suspend or terminate your use of ANZ gomoney, or part thereof, at any time.

8 If you have not logged in to ANZ gomoney on your Android Device for at least six months ANZ may also deregister ANZ gomoney on that device. ANZ will provide advanced notice of any such suspension, termination or deregistration where it is reasonably practicable and appropriate in the circumstances. The provision and subsequent use of ANZ gomoney is subject to the reliability and availability of third party service providers including software providers and network service providers. ANZ will not be liable for any direct or indirect loss suffered by you or the account holder (as applicable), as a result of a reduced level of service caused by any third party. 14. Data collection You agree that ANZ may collect various information relating to your relevant Android Device. This is required for ANZ gomoney to properly function and for security purposes, and for ANZ to better provide assistance if you contact us for assistance, to tell you about other products or services that may be of interest to you and to further develop ANZ gomoney. ANZ will not use this information regarding your Android Device in any other manner. Further information about how ANZ uses your data is available in our Privacy Policy available at anz.com. The information collected from your relevant Android Device includes application type and version, network type, IP, UDID, IMEI and MAC address, device type and model, operating system and security information related to your Android Device (e.g. whether you have obtained root access to your Android Device). If you do not consent to the collection of this information, you should cease using ANZ gomoney. If you do not want to receive marketing information phone to withdraw your consent. 15. Find ANZ Privacy ANZ does not collect any personal information about you, and ANZ is not able to identify you, when you use Find ANZ. ANZ will ask you whether you wish to use the location based services in Find ANZ. If you elect to use the location based service, then Find ANZ will collect and process information regarding your location, like the GPS signals from your Android Device. This information is used solely for the purpose of providing you with relevant information in Find ANZ. You are able to turn off the location based services at any time (by deselecting Location Services in your Settings folder on your Android Device). ANZ may use various technologies to collect and store information regarding your use of Find ANZ. This information is only used as aggregated statistical information, and will not identify you nor contain personal information. This information will be used by ANZ to help us provide and improve our services. No warranty While ANZ has made every effort to ensure that information provided in Find ANZ is free from error, ANZ does not warrant the accuracy or completeness of information provided in Find ANZ.

9 Find ANZ Maps Google Inc. provides the maps and location based services, including your geolocation, when you use or access Find ANZ within ANZ gomoney. By using Find ANZ within ANZ gomoney you agree to be bound by the Google Terms of Use. You can access the Google Terms of Use at You can access the Google privacy policy at Changes to these Terms of Use and functionality of ANZ gomoney ANZ can change these Terms of Use at any time. Subject to the following paragraph, ANZ will give you 30 days prior notice of any changes which: impose or increase charges relating solely to the use of ANZ gomoney; increase your liability (or, if applicable, that of the relevant account holder) for losses relating to transactions conducted using ANZ gomoney; or impose, remove or change your daily transaction limit or other periodical transaction limit applying to the use of ANZ gomoney. Please note that ANZ may make changes required to immediately restore or maintain the security of a system or individual facility (including certain functionality within ANZ gomoney, an individual gomoney account or gomoney itself), without prior notice. You agree that ANZ may notify you of any change to these Terms of Use by: posting information at anz.com; written or electronic notice to you (including via your Android Device); notice in our branches in Australia; or public notice in an Australian national newspaper. The current version of these Terms of Use will always be available for you to view at anz.com. 17. No waiver, severability and governing law In relation to these Terms of Use, no delay or failure to act will be construed as a waiver of or in any way prejudice, any of our rights. No waiver will be effective unless it is in writing. A waiver of a breach will not waive any other breach. You and ANZ agree that if any provision or part of a provision of these Terms of Use is illegal, invalid or unenforceable, it will be severed from these Terms of Use and the remaining provisions (or parts of provisions) will continue in full force and effect. The law governing these Terms of Use is the law of the state of Victoria, Australia, and you and ANZ agree to submit to the exclusive jurisdiction of the courts of the state of Victoria, Australia. 18. Licensing

10 You are given a non-exclusive, revocable, non-transferable licence to use ANZ gomoney on your Android Device in accordance with these Terms of Use and any other applicable terms referred to in section 1 and subject to the Terms of Services and Policies applicable to your use of Google Play. You warrant that you are not located in a country that is subject to a US Government embargo or is designated by the US Government as a terrorist supporting country, and you are not listed on any US Government list of prohibited or restricted parties. You must comply with all third party service providers terms of use (for example, software providers and network service providers) when using ANZ gomoney. Android and Google Play are registered trademarks of Google Inc. BPAY and BPAY View are registered to BPAY Pty Ltd ABN Temporary service disruptions may occur. Copyright Australia and New Zealand Banking Group Limited ABN gomoney and ANZ gomoney are registered trademarks of ANZ.